How To Find Out if Someone Has Life Insurance
Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.
Not only does he strive to provide you with the …
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Written by
Jeffrey Manola
Founder & Licensed Agent
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs.
She has since used that knowledge in her more than ten years as a writer, largely in the insur…
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Reviewed by
Leslie Kasperowicz
Farmers CSR for 4 Years
UPDATED: Nov 29, 2021
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Facts You Should Know
You would likely know if someone had a policy on you
The insurer will be hesitant to give information to anyone else
Some insurers will make exclusions for next of kin and named beneficiaries
Are you curious about how to find out if someone has life insurance? In most cases, you’ll be aware of the policy if you’re the beneficiary or the person insured. However, if the policy has become lost, there are still ways you can try and find it.
If they don’t have a policy yet, you can still get whole life insurance quotes on yourself or someone else with insurable interest.
If you’re researching how to find out if someone has life insurance, enter your ZIP code into our free quote tool to see what you can pay for a policy on them.
How do you find out if a deceased person had life insurance?
If you want to know how to find out if someone has a life insurance policy when they die, then keep reading to learn how to find out if someone alive or deceased has life insurance on themselves or you.
Ask their friends and family
Search their personal belongings and old bills
Contact their employer to see if they offer any life insurance
Do an online search via the NAIC, MissingMoney, or the NAUPA
Following these methods should help you locate a life insurance policy, if there is one. In addition, the databases should let you do a life insurance policy search by Social Security number, which will help you find it as soon as possible.
The Insurance Information Institute offers a 12 step guide on finding a lost life insurance policy.
How do I get a copy of the life insurance policy?
An insurance company is a business and will want to ensure that its client’s information is protected. Next of kin or the policy beneficiary may be able to get a copy of the life insurance policy, but there’s no guarantee.
Who can request information about my life insurance policy?
There are very few people that your insurance company is willing to give information about your policy. Some of the few exceptions may be:
Spouse
Next of kin
Named beneficiary
There’s no guarantee that this information will get you closer to finding the policy information from the insurer. Each insurer will have its privacy practices and ways of verifying identity.
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Can I be a beneficiary without knowing it?
It would be unwise for someone to name you as a life insurance policy beneficiary without notifying you or someone close to you. If you change your contact information or move, the insurer won’t get you the death benefit.
If someone has named you as a beneficiary without your knowledge, they risk causing the policy to become lost when they die.
Curious how to find out if someone has life insurance on you?
The good news is that no one will be able to take out a life insurance policy on you without your knowledge. When the policyholder goes to buy the coverage for your life, the insurer will require:
Your permission via signature
Medical history
Potentially a medical exam
The policyholder can’t buy a policy on you with your permission. Furthermore, they’ll need your medical records as well as a medical exam in some cases. It’s unlikely you’ll forget this process, so you don’t have to worry about not knowing if someone has a life insurance policy on you.
How much does it cost to take out life insurance on someone?
If you want to take out a life insurance policy, you can do so at an affordable cost. But, first, you’ll need to make sure that you have an insurable interest in that person. Insurable interest is when their loss of life would financially impact you.
You can get a term life insurance policy on them at a surprisingly low rate. Below is an example of a term life insurance policy not requiring a medical exam with a death benefit up to $500,000:
Age$100,000$250,000$350,000$500,000
Male 20
Female 20$9.41
$8.04$13.92
$10.34$16.98
$11.96$18.27
$13.05
Male 30
Female 30$9.45
$8.10$13.92
$10.34$16.98
$11.96$18.27
$13.05
Male 40
Female 40$10.75
$9.93$16.25
$13.96$20.24
$17.04$23.75
$17.70
Male 50
Female 50$17.87
$15.87$27.67
$22.87$36.23
$29.51$45.70
$38.08
Male 60
Female 60$36.14
$27.47$68.32
$48.22$93.14
$65.00$127.32
$83.13
As you can see, most people can get a life insurance policy for under $20 a month as long as they insure while they’re still younger.
How can I prevent a lost life insurance policy?
If you have a life insurance policy and don’t want it to become lost when you die, there are a few steps you can take. To make sure that your beneficiary isn’t left in the dark, you should provide them with:
Advance notice
A copy of the policy
Your insurer’s claims department info
If this is tricky for you to discuss with someone, you could always write it into a will or disclose it in an envelope that doesn’t need to be opened until it’s needed.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
How To Find Out If Someone Has Life Insurance: The Bottom Line
The good news is that you should be aware if someone has named you as a beneficiary on their life insurance policy. You’ll also be mindful if anyone takes out a life insurance policy on you, as they’ll need your signature and health information.
Are you wondering how to find out if someone has life insurance? Then enter your ZIP code to see what you could pay for a policy on them.
