Policy Locator Service - the quick, easy and cost-effective way to help locate lost life insurance policies of a deceased spouse or family member

If you are an executor, or administrator (in cases where there have been no probate proceedings, a surviving spouse or other relative eligible for appointment may be entitled to order the report), Policy Locator can maximize your opportunity to discover life insurance benefits you may not have realized existed.

  • 170 Million Records. The decedent's name is searched against our Policy Locator database. It contains over 170 million records representing inquiries submitted on individually underwritten life insurance applications processed during the last thirteen years. 

  • Largest Fraud Detection Service. The data is collected by MIB, an insurance industry-owned corporation that operates the industry's largest fraud detection service used by virtually every North American carrier in the underwriting of life insurance applications.  

  • Match Against Applications. Application activity often leads to policies - matches against this database are immediately identified and returned to you.


 

Are you a hidden beneficiary? / Order your report.

Having trouble downloading
or printing the brochure
and application?

Email us at:
infoline@mib.com

Lost Life Insurance Finder - Unclaimed Money
 

Policy Locator provides an efficient and effective alternative to labor intensive manual searches. Our extensive historical archives can trace paths from merged and acquired companies, revealing the identity of the successor company. And our industry-leading search technology produces the best possible results.

For $75 U.S. per search, you can put the industry's most powerful policy locating resource to work for you.

As an added value, we'll send along our "Policy Locator Research Primer" which provides you with an extensive list of additional due diligence hints and tips.

It Happens Every Day

Life insurance is often purchased to protect against loss of income, but policyholders commonly fail to inform the beneficiary(s) of the policy's existence.

Find Lost Life InsuranceAs a result, there are many unclaimed life insurance policy death benefits because of long dormancy periods or lack of awareness. Insurance companies would like to distribute what is rightfully due, but the responsibility to claim benefits lies with the survivors. It is estimated that millions of dollars in life insurance benefits from North American companies could be claimed by beneficiaries.

Customers using the Policy Locator Service experience response rates of nearly 30%1. Often, multiple applications are reported. Given that less than 35% of Americans own individual life insurance policies2, these results are that much more impressive. It is important to note that a Policy Locator search provides notice of an application which may have resulted in policy issuance.

1Results cannot be guaranteed.
21999 LIMRA International Survey

 

DISCLAIMER OF WARRANTIES

The existence of a Policy Locator Service application record does not mean that an insurance policy was issued, merely that an application was submitted to the inquiring company.

THERE ARE NO WARRANTIES FOR SERVICES PROVIDED HEREUNDER, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL MIB SOLUTIONS, INC., OR ANY OF ITS AFFILIATES OR AGENTS BE RESPONSIBLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR SIMILAR DAMAGES, INCLUDING DAMAGES FOR LOST DATA OR PROFITS, TO ANY PERSON OR ENTITY REGARDLESS OF THE LEGAL THEORY, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE AND EVEN IF ARISING FROM A FUNDAMENTAL BREACH OF THIS AGREEMENT. FURTHER, IN NO EVENT SHALL MIB SOLUTIONS, INC. OR ANY OF ITS AFFILIATES BE RESPONSIBLE FOR ANY DAMAGES WHICH EXCEED THE TOTAL OF ALL FEES PAID BY SUBSCRIBER TO MIB SOLUTIONS, INC. OR ANY OF ITS AFFILIATES UNDER THIS AGREEMENT.