Trying to settle the affairs surrounding the death of a loved one can be extremely difficult. There are so many things to think about, and emotions can run very high. One common question is whether the deceased had a life-insurance policy and, if so, where? Knowing where to look can be very helpful and save a lot of unnecessary labor.
Step 1
Talk with family members, such as brothers, sisters or children of the deceased. Sometimes these people will know if their loved one had a life-insurance policy and what company issued it. Also ask the deceased's lawyer, accountant or banker, is possible.
Step 2
Go through financial records, such as bank statements, canceled checks and credit-card statements. These records may document payments made to a life-insurance company to cover premiums.
Step 3
Look in the car belonging to the deceased for an auto-insurance policy. Or look for a home-insurance policy in the files of the deceased. Often an insurance agent or broker will sell several types of insurance at once. Calling this person or company may help you to find a life-insurance policy as well.
Step 4
Contact the former employers of the deceased to see if the deceased was included in a group life-insurance policy while employed there. Some larger companies will continue to provide life insurance even after retirement.
Step 5
Look in storage places such as the attic, basement, strong box or lock box. Find out whether the deceased had a safe-deposit box at a bank.
Step 6
If the estate ever went through probate court, check the court records. All assets are supposed to be listed, and a life-insurance policy would have been included among them.
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