How can I find out if I am the beneficary of an insurance policy?
MY mother passed away in February 2006 and I cannot find the insurance policies to determine if my brother and I are beneficiaries.
Answers:
Whomever the executor of the estate is, can contact the company. That's the ONLY way to speak about.
Whatever makes you reflect on she had existence insurance in place? The answer to THAT should point you surrounded by the direction to locating the company. Keep in mind, 70% of the folks in the US who die, die minus insurance in place.
If you're asking, within is no central database where on earth you can go look it up - insurance transactions are private.
The only opening would be to find out who she got insurance from and you would hold to call them and ask. You should know how to find some kind of statement though that she have from her making payments. good luck, and im sorry to hear almost your loss
I'm so sorry for your loss. What a sickening time to have to even have an idea that about an insurance concern. Here's my advice:
1) If you mom be working, call her employer and ask whether she purchased group insurance within; if she was retired, ask her employer if she have life insurance when employed and achieve the name of the insurer. Then contact the insurer to see if she converted the coverage to an individual policy;
2) Check her hill statements and cancelled checks for at least olden times year to see if she was making any electronic or check payments to an insurer;
3) Contact EACH of her creditors (mortgate company, coup¨¦ financing company, credit card(s), etc.) and ask whether she had mortgage or credit enthusiasm insurance. Before you call, be sure to check hers mortgage bill, which may chronicle whether she purchased mortgage life insurance. Credit insurance covering an auto loan will probably not show up on the loan bill, since several times the premium is paid within full at the time the loan is taken out.
4) Check her safety deposit box and personal papers.
5) Read her will, which may sometimes refer to insurance policies.
6) Ask her close friends and your relatives, who may know how to give you information roughly speaking insurance she mentioned to them.
7) If all else fail, you may be able to get hold of limited information from the Medical Information Bureau. This is a company that act as a database for medical information reported on applications for life insurance, and for information discovered by insurance companies during the underwrite process. You can go to: http://www.mib.com/html/request_your_rec... and click on "Policy Locator Service" at the bottom of the page.
I hope this help.
If your mother had a time insurance policy, there be a beneficiary... but, I take it she didn't discuss this next to you or your brother prior to her passing.
Did she own a will? An attorney? If there be an attorney, I would contact him or her.
As a matter of decree, however, the insurance company would be required to contact you if you were a name beneficiary on a life insurance policy - provided they know their insured have passed.
Look very tricky for insurance papers or ask other family member if she made mention about any insurance policies, after contact the insurance company.