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Apr 3, 2020 by |

Alameda County and California Life Insurance and Consumer Attorney: Lost Life Insurance Policies


Lost Life Insurance Policies

There are millions and millions of dollars in life insurance benefits that go begging every year. A series of investigations and audits by a multistate task force recently tallied $7.5 billion in unclaimed benefits at the country’s 25 largest life insurers. The task force reportedly found examples of active policies with paid premiums being terminated after an insurer received notification of the policyholder’s death, and in cases where decedents held both a life policy and an annuity, payments to deceased under the annuity were immediately terminated, but the life policies were allowed to lapse without any notification to beneficiaries.

If you are aware of a life insurance or annuity death benefit that is being withheld by an insurance carrier, call the litigators at Evans Law Firm, Inc. today at (415)441-8669, and we may be able to help. We can also help if a caregiver or other stranger has tried to get themselves named as beneficiary on an old, or forgotten life insurance policy belong to a senior. Wehave seen caregivers attempt to do just that with old life insurance policies belonging to their patient and we can work with the decedent’s family in getting any such invalid designations undone.

Some Practical Steps for Lost Policies

If you cannot locate a life insurance policy you believe the deceased had, one place to search for any policies on the decedent’s life is the National Insurance Commissions (NAIC) Life Insurance Policy Locator Service. Submit your inquiry online at: Also check with the local insurance agent who handled the decedent’s homeowner’s or auto insurance.  They may have sold the decedent a life insurance policy or annuity.  Go through the decedent’s bank records and look for premium payments as well.  You may discovered insurance coverage or other benefits by reviewing financial records.

Contact Us

If you or a loved one is a victim of wrongful conduct by a life insurance carrier or financial elder abuse in Alameda County or elsewhere in California, contact Ingrid M. Evans and the other insurance, financial elder abuse and consumer attorneys at Evans Law Firm at (415) 441-8669, or by email at <a href=””></a>. Our attorneys have experience with complex financial contracts and large insurance companies.  We can help guide your case through a jury trial or toward an equitable settlement.  We handle cases involving physical and financial elder abuse, qui tam and whistleblower law, nursing home abuse, whole life insurance and universal life insurance, and indexed, variable, and fixed annuities.

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"After a year of frustration working with the insurance husband and I contacted Evans Law Firm. What a relief...within a month we had come to a resolution that was exceptable by all parties...THANK YOU EVANS LAW FIRM!"
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