Use NAIC Policy Locator with deceased’s info: name, SSN, birth/death dates, veteran status.
Check state insurance departments, unclaimed property databases, and deceased’s documents or mail.
Contact former employers, unions, financial advisors, or the insurance company directly for policy info.
If insurer can’t find beneficiaries, death benefit goes to state as unclaimed property.
Fee-based services like MIB can help; special steps needed if company changed names, went bankrupt, or policy is Canadian.