The National Association of Insurance Commissioners has a "Life Insurance Company Location System" to help you find state insurance department personnel who might help identify companies that might have written life insurance on the deceased. NAIC's Life Insurance Company Location System - five questions, using your best guess if necessary, then click on the 'Create Suggested Contacts' link to view a list of State Insurance Departments that may be able to assist you with your search. - (external-apps.naic.org/orphanedpolicy)
Here's an authoritive article on this subject
I used this service and got results in seven days: www.policylocator.com for $75.00
Have the owner or insured contact the company and ask.
Simply contact the insurance company and ask for the claims department. Explain to them the situation and they can tell you who the beneficiary is. They will be happy to settle a claim for you in most cases! You may also want to check and see if there is an agent listed as a contact within the paperwork you have and start there. Good luck!
Life insurance is a private transaction, the only people who need to know this information are the owner of the policy, the life insurance company, and the executor of the estate (if deceased).
The best way to find out is to ask the owner of the policy. If the life insurance company tells you, they are violating part of the trust the owner has in them. In fact, even if the insured/owner is recently deceased, companies should not confirm the beneficiary until after they receive a death certificate because any stranger could call up and ask.
There is no age restriction for a beneficiary on a life insurance policy.
Yes, you can have a secondary beneficiary on your life insurance policy. If the primary beneficiary is no longer living when you pass away, the secondary beneficiary would receive the proceeds from your life insurance policy.
The beneficiary of a life insurance policy is the person or entity designated by you when you apply for the policy and when it is issued by the insurer.
If he put you in as the beneficiary, then Yes. Look at the policy and find where it says beneficiary to make sure.
The Insured can change the beneficiary on a life insurance contract.
Yes! The beneficiary on a life insurance policy does not have to be included in a will in order to receive the life insurance benefits.
The purchaser of an insurance policy names the beneficiary.
You are entitled to no proceeds from the life policy if the beneficiary or contingent beneficiary is still alive.
AnswerCall the Insurance company, you must be the owner or insured, privacy laws and such.
No, only the policy owner (usually the insured) can decide who the beneficiary is on a life insurance policy. Life insurance has nothing to do with a will or estate distribution after someone's death. That's why it is imperative to keep the beneficiary section updated constantly based on the life changes; too many people who get divorced forget to update their life insurance beneficiary on the policy and benefit may go to the ex-spouse. Life insurance companies are bound by the contract that is the life insurance policy to only pay the beneficiary specified on the policy. If all beneficiaries specified on the policy are deceased, then the benefit will be paid to insured's estate.
No, the beneficiary of a life insurance cannot be changed by the executor unless he's the owner of the policy. The proceeds of a life insurance policy, unless the benefciary of the policy is the estate, are not subject to any conditions of the will. It is outside of probate.
If the insurance policy owner did not specify a beneficiary or the beneficiary is deceased, then the life insurance proceeds go to the insured's estate.
If no beneficiary is listed on a life insurance policy then the benefits are payable to the insured's estate. The beneficiary can be changed at any time prior to the death of the insured if this is the person's desire.
No, the spouse is not. The beneficiary is named. There are laws that require the spouse to sign an acknowledgement that there is life insurance that she is not the beneficiary of.
Yes, You can name any beneficiary you choose.
who collects the life insurance in a marriage when one spouse dies and theres no beneficiary on file
The owner of a life insurance policy has the right to choose the beneficiary. Another person has no power to change that choice.
form_title=Life Insurance Policy form_header=Protect your loved ones with a lifetime of financial security. Find a life insurance policy customized to fit your needs. What type of life insurance policy do you want to buy?= () Term Life Insurance () Permanent Life Insurance () Both () Not Sure How large of a life insurance policy do you want to buy?=_ Who will it cover?=_ Who would you list as beneficiary?=_
The life insurance policy is a contract. A judge can not determine "intent". Whoever is the named beneficiary is the beneficiary by contract.
Contact the insurance company and request a change of beneficiary form. They will mail the form to the policy owner. You fill it out and mail it back to the insurance company so they can update your life insurance policy.
Yes, all life insurance companies allow the policy owner to name more than one beneficiary at any time.