Find a deceased relative's life insurance policy
The NAIC (the national association of state insurance regulators) Life Insurance Policy Locator is free and asks participating insurers to check for policies. AI can help you organize the paperwork.
1. Copy this prompt
Paste it into ChatGPT, Claude, Gemini or Grok (the free versions work), then replace the [highlighted brackets] with your details. Leave out account numbers and SSNs.
My [relationship] passed away on [DATE]. Help me look for life insurance and other money they may have left. Give me 1) a checklist of documents to gather, 2) how to use the NAIC Life Insurance Policy Locator, 3) other free official places to search (state unclaimed property, old employers' group life plans, bank accounts), and 4) a template letter to an insurer to start a claim.
2. Follow these steps
(stored only in your browser; uncheck to erase)
What to expect, and what to do if they say no
What happened when people tried it
- We haven't verified a real-world example for this one yet, so it's a tool guide plus a prompt. Tried it? Tell us what happened (link below).
Why this works
The problem: Beneficiaries often don't know a policy exists, so benefits go unclaimed.
How AI helps: AI can help you assemble the information the locator needs, track insurer responses and draft claim letters.
Tools & what they cost
| Tool | Cost |
|---|---|
| NAIC Life Insurance Policy Locator Insurers contact eligible beneficiaries directly | Free (No cost at all) Free |
What do these labels mean?
- Free No cost at all.
- Free option available Paid upgrades exist, but the free version works for this.
- Costs money You pay a set price or subscription.
- Takes a cut of savings Charges a percentage of what it saves you.
- Time · Difficulty Our estimates for a typical first try, not guarantees.
- Reported What the linked source says happened, often self-reported. Your results will vary.
Watch out for
- Tool-based entry.
- Responses can take weeks; NAIC says insurers typically respond within 90 business days if they find a match.
Was this helpful?
Tried it? Tell us what happened, good or bad. We read every reply and may share success stories (only with your OK).
Sources
- https://content.naic.org/article/learn_how_use_naic_life_insurance_policy_locator.htm
- https://content.naic.org/article/naic-life-insurance-tool-helps-connect-consumers-more-10-billion-unclaimed-benefits
Last verified 2026-10-19. Not financial, legal, tax or medical advice. Disclaimer.