To find a lost life insurance policy, gather personal details of the insured, including full name, Social Security number, and state of purchase, plus a death certificate to claim benefits. Use the NAIC Life Insurance Policy Locator and contact insurers, agents, or employers. Search personal files, financial records, and advisors. To avoid lost policies, update beneficiaries, inform them, and keep policy copies accessible. Unclaimed benefits may be held by state offices.