Help with finding Life Insurance after death of a relative?

Question

My nan has died recently and we knew she always said we did not have to worry when she died as her funeral costs are all paid for. We obviously never asked her for the details but now she has died we cannot find any records. Does anyone know how we can trace who her Life Insurers were?

Answer 1

I'm so sorry for your loss. Here's my advice:

1) Call her employer and ask whether she purchased group insurance there; if she was retired, call her ex-employer and ask whether she was insured under the group's life insurance policy when she retired; then, contact the insurer and ask whether she converted her coverage to an individual policy;
2) Check her bank statements and cancelled checks for at least the past year to see if she was making any electronic or check payments to an insurer;
3) Contact EACH of her creditors (mortgage company, car financing company, credit card(s), etc.) and ask whether she had mortgage or credit life insurance. Before you call, be sure to check her mortgage bill, which may list whether she purchased mortgage life insurance. Credit insurance will probably not show up on the car loan bill, since many times the premium is paid in 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, who may be able to give you information about insurance she mentioned to them.
7) If all else fails, you may be able to obtain limited information from the Medical Information Bureau. This is a company that acts as a database for medical information reported on applications for life insurance, and for information discovered by insurance companies during the underwriting process. You can go to: http://www.mib.com/html/request_your_record.html and click on "Policy Locator Service" at the bottom of the page.

I hope this helps.

Answer 2

If she actually had her funeral all paid for, it would be on file at a local funeral home. Call them and inquire. Also, there are only a small number of funeral insurance companys Forethought Life, Homesteader Life, NPS, Great Western, Monumental Preneed, and FDLIC would cover 90% of all funeral insurance policies. You could call them with her social security number and research this.

Good luck with this.

Answer 3

If she said it was already paid for, maybe she had a pre-paid plan. That's where you pay at a funeral home.(we did). Even though you can't find any paperwork, check with your local funeral homes to see. Did she have a lock-box at the bank. It might be in there.

Answer 4

Other than going through her personal records there's probably not much else you can do. Look through her records for payments to insurance companies or agents and follow up on those to see what type of policy she was paying for.

You should ALWAYS leave a list of these things for your family to find upon your passing. Mine's in a zip-lock bag in my freezer, and everyone in the family knows where to find it.

Answer 5

have a look on any bank accounts the payments for the insurance might of been paid by direct debit

Answer 6

the documents existed in only 3 places: a million) the corporation 2) Her concepts 3) The documents or papers There in basic terms way for every physique to get that information devoid of documents or papers is to touch different coverage firms and ask each and each of them, one after the different, in the event that they're the splendid one. you will desire to commence by ability of paying money to the scientific information bureau (MIB) to learn the place she utilized for existence coverage in the process the term for which they have documents. there is not any assure that her existence coverage became from a type of companies, even though it incredibly is quite probable. you will desire to commence by ability of contacting each and each of those companies, first. If none of them is right, then pass directly to different companies..