I am recently widowed and I can’t find my spouse’s life insurance policy. Can I still get the benefit?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Yes, you can. Life insurance policies are not claimed exclusively by showing policy documents. Insurance companies keep the insured individual’s electronic records including their death benefit, cash values and their beneficiaries. If you are the beneficiary of a life insurance policy simply call the insurer who issued the policy and find out how to submit a claim. If your claim is in order and the company confirms you as the beneficiary, they will send you your benefit once the claim is approved. You might not know exactly who your spouse’s beneficiaries are (they may have changed it after filing the original application), but the insurance company does.

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