Unclaimed life insurance
If someone has died, the NAIC Life Insurance Policy Locator asks insurers whether you were named on a policy. Veterans' families can also search the VA unclaimed insurance list, and states hold many unpaid payouts. Official searches are free.
Where to look
VA unclaimed life insurance funds
Unclaimed VA life insurance money for veterans and their beneficiaries. It covers older VA policies (USGLI, NSLI, VSLI, VRI, S-DVI) but not SGLI or VGLI.
How: Free search on the VA site by the veteran's last name.
Checked 27 September 2026 · Source: usa.gov
Your state unclaimed property office
Unclaimed life insurance payouts and insurance refunds are often held by the state.
How: Ask Find My Money for your state. Find your state's official search.
Checked 27 September 2026 · Source: usa.gov
NAIC Life Insurance Policy Locator
Asks life insurers whether a person who has died had a policy naming you. It has matched about $17 billion for families since it began.
How: Free for beneficiaries or whoever is handling the estate. Insurers can take 90 business days or more, and you only hear back if there is a match.
Checked 27 September 2026 · Source: content.naic.org
Searching is free
Official searches are always free. Never pay an upfront fee or give bank or card details to "release" money. Finder companies exist and charge a share of what they find, so check with your state that one is registered before signing anything.
Quick answers
- How do I find a life insurance policy of someone who died?
- If someone has died, the NAIC Life Insurance Policy Locator asks insurers whether you were named on a policy. Veterans' families can also search the VA unclaimed insurance list, and states hold many unpaid payouts. Official searches are free.
- What is VA unclaimed life insurance funds?
- Unclaimed VA life insurance money for veterans and their beneficiaries. It covers older VA policies (USGLI, NSLI, VSLI, VRI, S-DVI) but not SGLI or VGLI. Free search on the VA site by the veteran's last name.
- What is NAIC Life Insurance Policy Locator?
- Asks life insurers whether a person who has died had a policy naming you. It has matched about $17 billion for families since it began. Free for beneficiaries or whoever is handling the estate. Insurers can take 90 business days or more, and you only hear back if there is a match.
- Do I have to pay to search?
- Official searches are always free. Never pay an upfront fee or give bank or card details to "release" money. Finder companies exist and charge a share of what they find, so check with your state that one is registered before signing anything.
Sources
- https://insurance.va.gov/UnclaimedFunds/Search
- https://www.usa.gov/unclaimed-money
- https://unclaimed.org/
- https://eapps.naic.org/life-policy-locator/
- https://content.naic.org/article/naic-life-insurance-policy-locator-tool-helps-match-consumers-more-16-billion-lost-and-unclaimed
Ask Find My Money yourself
Type what you are looking for, like an old 401(k) or a tax refund, and get the official place to check. Open Find My Money, free, no sign-up.
In Claude or any app that takes MCP connectors, add https://goodturn-mcp.pages.dev/findmymoney/mcp and ask: “How do I find a life insurance policy of someone who died?”
In the UK? See Find a lost UK life insurance policy.
More places to look
- Unclaimed IRS tax refunds
- Lost 401(k)s and pensions
- Lost savings bonds
- Failed banks and credit unions
- FTC, SEC, CFPB and HUD refunds
- Unclaimed back wages
- Bankruptcy court unclaimed funds
- Money from a relative who died
- Lost stocks and brokerage accounts
- Individual Indian Money accounts
- Unclaimed property by state