How do I find out if my mother had a life insurance policy?

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PostPosted: Fri Apr 17, 2009 6:42 am   Post subject: How do I find out if my mother had a life insurance policy?  

Mom passed away recently and her husband may have a life insurance policy on her that we are not aware of.

tazangel
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PostPosted: Fri Apr 17, 2009 8:14 am   Post subject:   

check with the Medical Information Bureau and find out if any inquiries have been made into one's medical history........ might be of some help....mib.com is the website....try it.........................



u may also try contacting people she used to work with.....she might have told them.......good luck!!!!!

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PostPosted: Fri Apr 17, 2009 10:26 am   Post subject:   

I presume that you have no idea about the insurance company the policy is with either. Do you know the agent that your mother used to deal with?



SuperAgent has given a very sound advice, MIB is a great source of information. Also you search though the document that she has maintained, you may stumble upon the policy document as well.

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PostPosted: Fri Apr 17, 2009 10:32 am   Post subject:   

I’m bit confused Simon, is it the deceased having policy on her husband or the husband maintaining the policy on the deceased? The OP should clarify it.



Tazangel, is her husband still alive? The policy holder should be aware of the facts if he has maintained a policy with his wife as beneficiary.



Now, if the beneficiary has pre-deceased the insured, the policy holder would then become the owner of the policy. So, I actually fail to see how it can be a cause for concern when she wasn’t the policy holder.



Thanks,

Rupert

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PostPosted: Fri Apr 17, 2009 10:42 am   Post subject:   

Quote:
So, I actually fail to see how it can be a cause for concern when she wasn’t the policy holder.




What if she was the beneficiary and didn't know? Maybe she wants to find out who the beneficiary is. If she doubts there was a life insurance policy, the proceeds must go to someone and maybe the OP is only trying to find out if she has been the beneficiary. OP can you tell us, what makes you look for a policy?


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sil
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PostPosted: Fri Apr 17, 2009 11:07 am   Post subject:   

OP your mom's documents may give you a clue as to which insurance company it might be. If your mom's husband is still alive, he might be able to tell you. By the way, are you smelling foul play?



"Mom passed away recently and her husband may have a life insurance policy on her that we are not aware of."



Something in your post tells me you don't think everything is right. I might be wrong. Please correct me.


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PostPosted: Fri Apr 17, 2009 1:28 pm   Post subject:   

Hi to all forum members,



You can find out that your mom has a life insurance policy. You can see your moms documents such as his death statement & other personal documents related with your mom.



If you got any clue about her life insurance you can get more information from Insurance policy provider company.



Thanks & Regards.



Keep in Touch.

DanielC
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PostPosted: Fri Apr 17, 2009 2:47 pm   Post subject:   

Hi all!



Quote:
u may also try contacting people she used to work with.....she might have told them




Even if her co-workers fail to tell anything in this regard, the records may still hold it. Also go through her address-books and you might get hold of the agent's contact number. All the best!



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PostPosted: Fri Apr 17, 2009 4:31 pm   Post subject:   

HI,



try searching for any documents related to insurance or try finding out with any insurance company she trusted or she talked about that can be a possibility .



its difficult to guess in such cases but you can always try .



my all best wishes are with you hope you succeed .



take care,



Manish Golecha

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PostPosted: Fri Apr 17, 2009 10:37 pm   Post subject:   

This is the very reason that FindYourPolicy.com was created. It is specifically to assist the living to keep their loved ones informed of Life Insurance policies. What happens to this OP happens many times and only gets recognized when it is too late. There are over 500 life insurance companies in the United States alone and trying to find a life policy on someone is almost impossible. The MIB is a great source, however, they only go back 7 years so if someone took out a policy later, it would not be recorded. All the OP needs is a company name and that is all FindYourPolicy.com asks of their members. They will keep that name on a central database so that individuals like the OP can find it when the time comes.



Michael

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PostPosted: Sat Apr 18, 2009 1:25 am   Post subject:   

well, you can check with your insurance agency in any insurance company. Regardless of which insurance company that you mum bought, all the information is stroring in a central database (internationally, if i am not mistaken), and they can check the full details of a people easily there.



The central database is actually serve as keeping the info for all insurance company to reference to check the people history before accepting a blacklist people to be able to purchase other policy again in different insurance company.



I have checked my info easily there, and even my insurance agents able to trace out some insurance that my parents bought for me while i am still kid, which i did not know at all. That really impressed me.

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PostPosted: Sat Apr 18, 2009 4:17 am   Post subject:   

Hello eddielkk,



Could you please tell me where this central database is located. Through all my research, I have found that there is no such thing due to the privacy issues and that the insurance companies can not release this information. Please tell us all where this central database is located and how we can access it.



Michael

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PostPosted: Tue Apr 21, 2009 5:18 am   Post subject:   

Okay Sil,



Quote:
What if she was the beneficiary and didn't know?




Who? Are you talking about the deceased or the OP? My question is also the same, who is the beneficiary and who is the policy holder in this case.



Quote:
Maybe she wants to find out who the beneficiary is.




If you are talking about the OP, then she needs to contact the right persons of that. I was confused about the ownership of the policy and not about the beneficiary.



Quote:
If she doubts there was a life insurance policy, the proceeds must go to someone and maybe the OP is only trying to find out if she has been the beneficiary.




Nope, the death benefit would go to the beneficiary named in the policy. And, in case of no named beneficiary all the heirs would receive equal shares of the policy proceeding.



Sil, you may re-read OP's post, IMO that would clarify to you where I'm confused.



Thanks,

Rupert
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PostPosted: Tue Apr 21, 2009 5:29 am   Post subject: re  

you should check documents of your mother.it may be that she had told to her friends about insurance

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PostPosted: Tue Apr 21, 2009 6:39 am   Post subject:   

Quote:
Hello eddielkk,



Could you please tell me where this central database is located. Through all my research, I have found that there is no such thing due to the privacy issues and that the insurance companies can not release this information. Please tell us all where this central database is located and how we can access it.



Michael




Well, Michael,

I am not sure about your country, but in my country, those central database for policy holders is kept and updated with the enforcement of our government. It is not accessible to the public, unless you are the insurance agent that has been authorise to view it.



I also getting all my policy info by insurance agent who is actually my good friend. He is helping me to trace neccessary policy of mine. You may check with your insurance agent whether they have such a database?



Regard,

Eddie
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