Thursday, March 19, 2009

beneficiaries unclaimed life insurance policies

Life insurance is usually purchased to protect against the loss of income in the event of the death of the policyholder. It is a good security for your family in case of death.

Here are questions raised by the beneficiaries after they bury their dead.
Questions like: How can I find out if you are the beneficiary of a policy? Or how to find out if someone has a life before they died?

A recipient is any person who, in a policy such as the benefits to be paid.
In these cases an insured policyholder is not the beneficiary or beneficiaries of the existence of a policy in the event of her death.

How to find out whether you are a beneficiary on a life insurance or if the deceased had a valid insurance.

There is no easy task to find out if someone has a life before they died.
The relationship between the policyholder and the insurance is one of confidentiality, if the policyholder lives.

There are more than 1 billion U.S. dollars from non-life insurance death as a consequence of the lack of awareness by the beneficiaries and other interested parties.

Evidence of the use of these services falls on the recipient and in this case the beneficiary is unaware of the existence of the death, therefore, the failure to focus on the income.

If these benefits are still unclaimed after a certain specified period, which differs from state to state, the insurance is legally required to ensure the non-life insurance to the state governments.

These are the steps in your quest to answer the questions above each lane and death benefits:

To find out this information you will need to enter the deceased records from credit cards and pay bills or bank statements to verify all premium payments to an insurance company.
This would, among other things, a safe and other important documents.

Check with their lawyers, accountants or employer for any information.
Ask relatives, friends and colleagues for any information they might have.

Check with the State Office for non-property for all records of the insurance benefits provided by insurance companies.
Perform a free online search of the National Association of Non-Property Administrators website at MissingMoney.com.

The services of a private investigator, to give you the information.
If you find an insurance company, to create, verify that the deceased had a valid insurance with them.

To apply for all the information you need to get a death certificate and a notarized application.

With due diligence, it is possible for beneficiaries to life insurance to unclaimed benefits of life insurance in most states in the USA.