How can I find out if I'm the beneficiary of an insurance policy of someone who died?
You need to contact the insurance company to find out. Unfortunately, there is no easy way to find out what insurance company, if any, the person was using. But here are a few hints:
- If you have access to the person's records, look through the files for a copy of the policy or cancelled checks to an insurance company.
- If the person had auto or home insurance, contact that company. Many people keep all their insurance policies with one company.
- Ask relatives of the person who died, if they know of a life insurance policy and if so, with what company.
- Contact their state Office of Unclaimed Property, they would have a record of the insurance payment. Find the contact information for your state’s office. If I'm the beneficiary of an insurance policy, how do I get the insurance company to pay me?
You will need to complete the insurance company's claim form and get them a death certificate proving the person died. You can normally get death certificates through your county clerk's office., but it will cost money. You can also use this online service from VitalChek.
How quickly will I get paid the death benefits?
Usually within a week to four weeks after the insurance company gets the information. If not, you should contact the insurance company to find out what the problem is.