Are you looking through the records of a deceased friend or relative for their life insurance policy? Are you sure there was a policy, or not sure you have ALL the policies? I'm sorry to say about the only way of finding out is to keep working on the papers left behind. Also, keep a sharp eye out for NEW letters from insurance companies, especially any bills. Contact close relatives and ask if your parents ever made any references to insurance. Next, try to discover WHERE your parents were finding these insurance companies, for example, mail order solicitations, magazines, fraternal organizations, television ads, phone solicitations, then write or call companies doing similar solicitations. Please note: The best advice I can give for finding an OLD insurance company or old policy is still to contact the state insurance commissioner of origin... on my Resources page. Why? because after (from two to seven) years the insurance company will turn over any monies due to the heirs to the state that person lived in, and you CAN STILL CLAIM THE MONEY -- if you can prove you are an heir! What happens to life insurance benefits that go unclaimed? Life Insurance companies will not pay benefits until they are notified of the death and a claim is made. It is estimated that more than 25% of all policy benefits go unpaid upon the death of the insured. Worse, if those premiums stop, heirs may well lose all rights to a settlement. Now, the good news is that most companies will write to find out WHY the premiums are no longer being paid. Go through those bills. One widow didn't even realize she had anything coming until she wrote to the insurance company to ask if she could quit paying the premiums now, since her husband had died there was no need for further coverage.
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