I Am Recently Widowed And I Can’t Find My Spouse’s Life Insurance Policy. Can I Still Get The Benefit?

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Asked December 15, 2011

1 Answer


As the beneficiary of a life insurance policy, you are entitled to claim your portion of the benefits even if you cannot find the policy documents. If you know who the insurance company is, contact the company and notify them of your spouseÃÆ'ƒÆ’ÃÆ'‚¢ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¡ÃÆ'‚¬ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¾ÃÆ'‚¢s demise, and ask them how to proceed from there. If you do not know the name of the insurance company, check through your spouseÃÆ'ƒÆ’ÃÆ'‚¢ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¡ÃÆ'‚¬ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¾ÃÆ'‚¢s bank records for regular payments made to an insurance company and then contact the company. Also, if the insurer does not receive a payment for a period of time, they will mail a notice to your spouse, so the name of the company could show up in the mailbox if all else fails.

You will need to present a death certificate to the insurance company, but you do not have to have a copy of the policy. Insurance companies keep electronic records of their clients which include beneficiary names, accrued cash values and other information. Once the company is aware of your spouseÃÆ'ƒÆ’ÃÆ'‚¢ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¡ÃÆ'‚¬ÃÆ'ƒÂ¢ÃÆ'¢â‚¬Å¾ÃÆ'‚¢s death, they will be able to settle on the account whether you can find the original policy document or not.

Another thing that you should be aware of is that your spouse may have changed the beneficiaries listed in the policy. If this has happened without your knowledge and you are no longer a listed beneficiary, you will not be able to file a claim on the policy, but you will at least be able to let the insurance company know that the policy is need of settlement. In this case, the insurance company would then attempt to contact the listed beneficiary. Since more than one beneficiary can be named, it is also possible that you will be sharing the proceeds with one or more other people, in which case all beneficiaries will need to be contacted before the settlement can be made.

Answered December 15, 2011 by Anonymous

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