How do I find a lost life insurance policy for a deceased family member in Nevada?

Locating a deceased family member's life insurance policy begins with a systematic search through personal records and several free resources. Billions of dollars in life insurance benefits go unclaimed annually — often because beneficiaries simply did not know a policy existed.

Personal records: search the deceased's financial files, bank statements (for recurring premium payments), email accounts (for policy-related correspondence), and any documentation from employers or professional associations that may have provided group coverage.

Nevada resources: the Nevada Division of Insurance's unclaimed property database includes life insurance proceeds that have been turned over to the state. Search at nevadatreasurer.gov for unclaimed property.

National resources: the National Association of Insurance Commissioners (NAIC) operates a free Life Insurance Policy Locator Service at naic.org. Submit a request with the deceased's personal information and participating carriers will search their records. Most major carriers participate.

MIB Group: the Medical Information Bureau maintains records of life insurance applications. Searching MIB records (requires a formal request and fee) can identify which carriers the deceased applied with.

Bank records: if premiums were paid by automatic debit, bank statements show the payee (carrier) and often a policy number. Review 2–3 years of statements.

Agents in our network can assist with locating policies and initiating claims once a carrier is identified.