how can I find out if a life insurance policy exists?

Question

How can I find out if my mother has a life insurance policy on her?

Answer 1

1) You can ask your mom.
2) You can go through her bank accounts to see if she made any payments to an insurance company.
3) Insurance company usually send a billing statement. If she hasn't received it in a long time, there's a good chance she lapse her policy and is not covered anymore.
4) You can ransack the house to search for it. (Heh, you might find some things in the house that might surprise you.)

Answer 2

There are a couple methods: 1. Ask her. 2. Go through her valuable papers and safety deposit box, and see if you find one. 3. go through her banking records to see if she made a payment to any life insurance company.

There is no national, or state, database that tracks life insurance policies. It's all information covered by the privacy laws.

Answer 3

There is no central clearinghouse that can answer this question. You can write to the major life insurance companies to ask if she is or was a policyyholder. When you do that, give them her name and any other name she ever might have been known by (Elizabeth Jones Smith, aka Liz Smith, aka Elizabeth Jones aka all other variations and derivatives you can think of) as well as her Social Security number and explain that she is your mother.

Answer 4

Ask your mom.