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STEP Act 99.5% Act

How Can I Locate Life Insurance Policies and Annuity Contracts Owned by My Deceased Loved One?

If you have diligently searched through your deceased loved one’s financial records, tax returns, personal possessions, and safe deposit boxes, and you still cannot identify and locate your decease loved ones’ life insurance policies and annuity contracts, the National Association of Insurance Commissioners (NAIC) may be able to assist you.

Search Request Form

As a consumer, you can submit a search request form to the NAIC. There is no fee for this service from the NAIC. The form is rather simple and can be both completed and submitted on the NAIC website. The information that you need to know is your deceased loved one’s full legal name (and any prior legal names), last known address (and any prior addresses), date of birth, date of death, social security number, veteran status, and your relationship to the deceased loved one. Please note that since NAIC is a national service, your one search request will cover the entire United States. It will not cover just the state wherein your deceased loved one resided at the time of his or her death.

How the Process Works

Here is how the process works. Upon receipt of your search request, the NAIC will contact the participating life insurance and annuity companies with your inquiry. The participating life insurance and annuity companies will search their records to determine whether your deceased loved one owned any life insurance policies or annuity contracts with their companies. If the companies have information pertaining to any life insurance policies or annuity contracts, in the name of your deceased loved one, each individual company will contact you directly provided you are the designated beneficiary, Executor or Administrator, authorized to receive such information. Please note that the companies may request additional information and documents, such as a certified copy of the Certificate of Death and the Letters Testamentary or Letters of Administration appointing you as Executor or Administrator.

What Happens If You Don’t Receive a Response?

If you do not receive a response from any of the participating life insurance or annuity companies within ninety (90) business days of your search request submission to NAIC, it most likely means that you are not the designated beneficiary, are not authorized to receive the information, or that the participating companies did not locate any life insurance policies or annuity contracts in the name of your deceased loved.

The following contact information will be useful to conduct your NAIC search request for life insurance policies and annuity contracts in the name of your deceased loved one:

National Association of Insurance Commissioners (NAIC)

Life Insurance Policy Locator Service

1100 Walnut Street

Suite 1500

Kansas City, MO 64106-2197

Service Desk

(816) 783-8500

8 a.m. to 4 p.m. (CT)

Monday – Friday

We Can Help

At Russo Law Group, P.C., we understand how difficult it is to cope with the death of a loved one while trying to navigate the estate administration process. We can provide professional services to guide you through the estate administration process and also to ease the burdens of an Executor or Administrator. We invite you to take advantage of our comprehensive website as well as our free seminars and webinars to learn more about how Russo Law Group, P.C. may assist you.

Russo Law Group, P.C.
100 Quentin Roosevelt Blvd., Suite 102
Garden City, NY 11530

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