How do beneficiaries search for a missing life insurance policy?

The safest starting point is to use the actual policy and a current illustration or benefit summary, and have a licensed professional explain any guarantee, exclusion, surrender restriction, or beneficiary provision in writing. When evaluating the policy, beneficiaries can start by reviewing bank records, employer benefits, tax documents, mail, and known insurance contacts. When evaluating the policy, the NAIC Life Insurance Policy Locator can help request a search from participating insurers when a person has died.