You can check bank records to see if they paid premiums, or speak with friends and maybe they have used the same agent as friends. You can speak with finanial representatives that they know and see if they got a policy through them. Basically their is no central database that you can check so it will be very difficult. A central database is being started and is recommended by all to list your company name of your life insurance with them. This way it will never be lost or forgotten. http://www.findyourpolicy.com Michael Hartmann
One way is to check with the lender. Most lenders have affiliations with mortgage life insurance companies to provide this service and in most cases the insurance premium is included in the mortgage payment.
There's a site for that; please see link for search "deceased insurance policy search."
No, you generally cannot cash a check for a deceased person who is not a relative. Only authorized individuals, such as the executor of the estate or someone with legal power of attorney, can manage the deceased person's financial matters. Attempting to cash a check under these circumstances may be considered fraud. It's best to consult with the estate's representative or legal counsel for guidance.
Yes, If you are the executor of the deceased, legal heir or have other appropriate power of attorney to do so, you can deposit the refund check.
The title, registration and insurance should be transferred to the new owner. If not and you are involved in an accident you may encounter problems with the insurance coverage and in the worst case scenerio the insurance company may refuse to pay. That would leave you exposed to a lawsuit.
In rare cases, a person will make a close friend or relative the beneficiary of their life insurance policy instead of their spouse.
Contact the company (or companies) that issued the policies.
Findyourpolicy.com provides a A free Central Database to help Consumers protect their beneficiaries from losing their life insurance inheritance. If the deceased person had a life isnurance policy, they may have registered it with this service so you could find out. Also, you may want to check with their life insurance agent, or review their canceled checks, or their checkbook, to find out if they were paying life insurance premiums, and to what insurer.
Life Insurance and EstatesNO, not if the named beneficiary is not deceased. The proceeds of a life insurance policy belong to the named beneficiary not to the deceased. It should not under any circumstances be included in the estate of a deceased or the probate process. If no beneficiary is named or if all beneficiaries are deceased then their is no alternative. When their is no named beneficiary then the value of the life insurance policy reverts to the insured and must then be included as part of the deceased estate
no
Insurance Information Institute totally answers your question. Check it out... http://www.iii.org/individuals/life/help/locatelost/
You get a lawyer who is familiar with firearms law.