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If what you are asking is how to find out whether a deceased person had a life insurance policy at the time of death, you can do the following:

1. Ask relatives whether the deceased ever spoke of the existence of a policy.

2. Gain access to safety deposit boxes or safes of the deceased and determine whether policies are contained in them.

3. Review bank records, especially checking account records, to determine whether premium checks were written to an insurer for payment of premiums.

4. Check the records of the unclaimed property authority of the state in which the deceased last lived. It could be the case that the insurer reported an unclaimed policy to the state and turned over money to that authority. Most states have a requirement that financial institutions do so under stated circumstances.

5. Check with The Center for Life Insurance Disputes.

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Q: How to find unknown life insurance policies?
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