Is there a way of finding out if an insurance policy was taken out and claimed on somebody after their death?
2007-02-19 14:59:19 · 6 answers · asked by wicked_p 1 in Business & Finance ➔ Insurance
No, there isn't. Contrary to what some believe, state insurance departments do not keep these kinds of records -- instead, their role is to ensure agents, insurance companies and HMOs follow the insurance laws of that state; they also make sure insurers remain financially solvent and able to pay claims.
However, IF medical information was reported on the application for coverage AND the insurer issuing the policy was a member, the Medical Information Bureau MAY have limited information, including the insurer's name. The MIB will not have any claim information -- so if you're given an insurer's name, you'll have to contact the company to inquire whether a claim was filed. If you weren't the beneficiary, the company will not release information to you.
You can go here to learn how you can obtain a MIB report, if you qualify to receive it:
http://www.mib.com/html/lost-life-insurance.html
If no medical information was reported on the application and/or the insurer doesn't report to the MIB, there will be no information available.
2007-02-19 23:14:47 · answer #1 · answered by Suzanne: YPA 7 · 0⤊ 0⤋
Life insurance is a private transaction. The state does not hold any information on individual policies. You pretty well have to know the company you're searching for; and, even then, with privacy laws like they are, the company will probably not reveal information.
If you're the executor; or, if you have access to the deceased bank records, you may find payments to an insurance company to start with. But unless you have a legal basis to get the information, it is private.
2007-02-23 10:08:02 · answer #2 · answered by View from a horse 3 · 0⤊ 0⤋
The state where the insurance was taken out will know. You can either look it up or get assistance looking it up through Your State's Department of Insurance. They wont be able to tell you many details other than finding the agent or company the insurance is taken out with.
Then you would call the company and see what they can tell you.
2007-02-19 17:03:54 · answer #3 · answered by khanofali 5 · 0⤊ 2⤋
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2016-10-16 01:41:05 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Only if you are the executor of the estate, and know the name of the insurance company.
There is no central database, and policy ownership (and insureds lists) are private information.
2007-02-20 00:47:19 · answer #5 · answered by Anonymous 7 · 0⤊ 1⤋
There is no way to find out except to ask the person directly!
2007-02-23 09:19:33 · answer #6 · answered by Anonymous · 0⤊ 1⤋