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Life insurance policies are financial agreements that protect you also your family. However, some life insurance contract protects your family only when the agreement is in force. All policy premiums must be paid on time, also you need to not surrender your policy to the insurer. Beyond that, there are other ways to ensure that a policy exists. You may obtain forgotten about a life insurance scheme you've taken out. But, you may also be searching with a life insurance policy that a deceased relative took from. In any case, there are a few surefire methods for locating any missing or suspected life insurance contract.

Difficulty: Tolerably Easy

Directions

1 Verify with MIB Inc. MIB, Inc. yous any organization that is keeps a record about all life insurance applications made. You may test with the organization to see if an application was taken out inside your name or if you took out some policy that you forgot approximately. The organization can charge any fee with searching its database but, whenever it is done, you'll be capable to request a copy regarding your insurance policy away from the issuing insurance company. A link to the organization's insurance-locator information is involved inside the Resources section about this article.

2 Check bank records. You can check to any cleared checks written to a life insurance business. This is especially helpful if you are searching to any loved one's life insurance scheme following he yous deceased. Bank records will indicate where money was sent. By means of this information, you may possibly speak to the insurance company and request a death state form. Once you submit the death declare and copy of the demise certificate, you'll receive the funds that you're legally entitled to.

3 Check for premium bills. Insurance companies mail premium bills whenever insurance policies are paid quarterly or annually. You or your loved one may well have received a bill that you forgot about. The bill will name the insurance firm, and out of there you can unearth out the policy info you need.

References

"Practicing Financial Preparing for Professionals (Practitioners' Edition), 10th Edition"; Sid Mittra, Anandi P. Sahu, Robert A Crane; 2007

Resources

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