How to Find Out if You Have a Life Policy with Your Name

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Thursday, November 22nd, 2007 Subscribe To Our Feed

Finding out if someone has a life insurance policy in your name is not an easy task. There is no central place that really keeps these records. But with a little due diligence you may be able to find out if you have a life policy with your name on it.

Below you are going to find some steps for you to take and how to find out if you have a life policy with your name. So let’s go ahead and get started.

The steps below are taken from a couple of different sources. One source is freeadvice.com and the other is from Farmers

Go through the deceased’s canceled checks to see if he or she was paying any insurance premiums, and if so, contact the insurance company or agency the payments were made to.

If you feel that someone has fraudulently placed an insurance policy on you, please contact the Medical Information Bureau by going to www.mib.com. They have a fraud investigation department.

I have done some research and www.policylocater.com seems to be the best result so far.

Go through his or her papers to see if there were any records of life insurance with other companies, and contact them; even if s/he had stopped paying premium years ago there may have been “paid up” benefits.

The only way someone can have a life insurance policy on you is if you signed an application giving your consent. Other than this, your parents might have taken out a policy on you before you were 15 years old. If this is the case, then they wouldn’t have needed your signature.

First of all, did you sign an application? Second, try this link: www.mib.com.

There also is something known as Credit Life Insurance, and if a person buys that as an add on to credit cards or other financings, such as car loans, it may provide life insurance regardless of cause of death.

Hopefully the above tips will help you learn how to find out if you have a life policy with your name. The websites listed should also help you quite a bit to find out information. As always, it is going to take a little work on your part, but it will be worth it.

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