My mother, who lived in another state, recently has passed away. Is there a process to search if she had a life or burial insurance policy?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 30, 2010
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Cheyenne, WY
Asked on 06/30/2010
My mother, who lived in another state, recently has passed away. Is there a process to search if she had a life or burial insurance policy? We have found her will and there is no mention of insurance coverage. However, when our father died there was a policy in place. We believe that they had purchased policies at the same time.
Answer given on June 30, 2010
First, I would check with the attorney ( if there is one ), or whoever helped her put the will together. Perhaps they can help you search.
Second, if that doesn’t pan out, you are likely in for quite a task. There are several thousand insurance companies out there, and you will need to contact them. Since you already know the information from your father’s policy, I’d start with them.
You’ll need to provide them with the following information, for starters:
1) Name and address that would have been on record
2) SSN of the deceased
Don’t forget maiden names and previous addresses… they could come in handy if your mother had this policy before she was married.
As far as a list of insurance companies to contact, you would need to call your state department of insurance and get a list of who all is/was licensed to sell life insurance in your state over the time you beleive the policy was written, up until the date of death. Be prepared, there could be hundreds of them to call. A good place to start would be the most popular 100 companies in your state, since they typically sell the vast majority of policies.
Good luck… you may have a monumental task in front of you. I hope you can find that which you are searching.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.