FOR IMMEDIATE RELEASE
February 11, 2025
Life Insurance Policy Search Tool Available on LDI Website
The Louisiana Department of Insurance (LDI) wants to inform residents about an online tool to find life insurance policies after the death of a loved one.
The National Association of Insurance Commissioners (NAIC) Life Insurance Policy Locator connects consumers with lost life insurance. Each year, millions of dollars in life insurance benefits go unclaimed by beneficiaries who can't find their deceased loved ones' policies or who in some cases may not even know the policies exist.
This free online tool maintained by the NAIC searches for life insurance policies in all 50 states. It has received over 886,727 requests nationwide since its launch in 2016 and has helped beneficiaries claim 460,952 life insurance policies or annuities collectively worth over 10 billion dollars.
Requests to the NAIC’s tool are secure and confidential. Any matches found by participating insurers are reported to state insurance agencies through the NAIC Life Policy Locator. The companies then are responsible for contacting beneficiaries.
This service is open to the public, including beneficiaries and legal representatives. You must have the social security number, legal first name, legal last name, date of birth and date of death of the deceased person to submit a search request. It may take up to 90 business days to receive a response.
Please note a requester will not receive a response if no matches are found, if the requester is not the beneficiary or if the requester does not have legal authority to obtain information about the deceased. Requestors must include a copy of the deceased person’s death certificate for the LDI to complete the search.
For more information, contact the Office of Health, Life & Annuities at 225-342-1355 or 1-800-259-5300.
How to use the Life Insurance Policy Locator
The locator can be found here. The NAIC’s Consumer Insight explains how to use the free tool.
- Review the welcome page and agree to the process.
- Enter your name and address.
- Submit a search request by entering the deceased’s information from the death certificate: Social Security number; legal first name; legal last name; date of birth; date of death.
- Relationship to the deceased.
After all required fields are complete, submit your information.
Your request will be stored in a secure, encrypted database where participating life insurance and annuity companies can access the information through a secure portal. You will receive a “Do Not Reply” email confirming the request details you submitted.
If a policy is found and you are the beneficiary, the life insurance or annuity company will contact you directly.
About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting https://www.ldi.la.gov/.