Collecting Unclaimed Life Insurance Benefits

Jason Turchin, Esq.

Finding and Claiming Unclaimed Life Insurance Benefits

It’s not uncommon for life insurance benefits to go unclaimed. Beneficiaries may not be aware of the policies, or the policyholder may have lost track of the paperwork. Our Florida life insurance lawyers have helped family members get life insurance benefits after a person dies and they are entitled to life insurance benefits. If you suspect there may be unclaimed life insurance benefits in your name or for a family member, here’s a guide to help you through the process.

Steps to Find Unclaimed Life Insurance Benefits:

  1. Check with the Insurance Company: If you know which company issued the policy, contact them directly to inquire about any unclaimed benefits.
  2. Search Personal Records: Look through the deceased’s personal records for any evidence of life insurance policies.
  3. Use Online Tools: Websites like the National Association of Insurance Commissioners’ (NAIC) Life Insurance Policy Locator Service can help identify policies.
  4. Consult with Employers: Past employers of the deceased may have offered group life insurance policies.
  5. State Unclaimed Property Programs: Each state has a program for unclaimed property, including life insurance benefits.

State Unclaimed Funds Websites

Here’s a list of websites for unclaimed funds for each state, where you can search for unclaimed life insurance benefits:

These links will direct you to the respective state’s unclaimed property or unclaimed funds website, where you can search for and claim any funds that may belong to you.

How We Can Help Collect Unclaimed Life Insurance Benefits

At our life insurance law firm, we have experience in assisting clients with the recovery of unclaimed life insurance benefits due to an Estate or collecting benefits for a beneficiary who died. Our services include:

  1. Legal Assistance for Claims: If you discover unclaimed benefits, we can help you navigate the claim process, helping to ensure that all legal requirements are met for a successful claim if you are entitled to the benefits.
  2. Resolving Disputes: In cases where there are disputes over the rightful beneficiaries or issues with the claim, we offer legal representation to try to resolve these matters effectively.
  3. Navigating State and Federal Laws: Different states have different laws regarding unclaimed property. We are knowledgeable in certain state-specific regulations as well as federal laws pertaining to unclaimed life insurance benefits.


Unclaimed life insurance benefits can provide essential financial support, but identifying and claiming these benefits can be a complex process. With the right guidance and legal support, you can successfully navigate this journey. If you have information that there are unclaimed life insurance benefits for a family member who passed away, contact us for assistance.

For more information or to get started with your search for unclaimed life insurance benefits, please contact us. Our team is ready to provide you with the assistance you need to uncover and claim what is rightfully yours.

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