The National Association of Insurance Commissioners (NAIC) published a consumer guide on using its Life Insurance Policy Locator, a free online tool intended to help beneficiaries identify life insurance policies and annuity contracts that may otherwise go unclaimed after a death. Users submit a request via the NAIC website after accepting the terms of use and entering their own contact details, then provide information from the death certificate including the deceased’s Social Security number or individual taxpayer identification number (ITIN), legal name, dates of birth and death, veteran status, and relationship to the deceased. Requests are stored in a secure, encrypted database that participating life insurance and annuity companies access through a secure portal; the requester receives an automated email confirmation, and the insurer contacts the requester directly if a policy is found and the requester is the beneficiary. The NAIC notes it does not hold policy or beneficiary information, and the tool does not locate potential benefits for individuals who are alive.

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