Is there anyway to find out if my mother who passed away 4/21/16 had a life insurance policy with a company. I checked her bank statement but she might have paid with credit card or money order.
My mother told me approx 1 year prior in a voice message she cancelled her existing policy (not who it was with) and went with Mutual of Omaha. She never gave me a copy of policy or a policy number so when I called Mutual of Omaha and they searched her social security number they said they had no record.
The first place to try is the NAIC, National Association of Insurance, their website: http://naic.org/state_web_map.htm can put you in touch with your states Department of Insurance or DOI, to see if they have a life insurance was policy filed under the insured’s name in the state. Not all policies are filed unfortunately. If you feel the death claim may have been paid try http://missingmoney.com/ or http://unclaimed.org/ . Both of these sites are free searches as well. I will say their odds have been calculated at about 600 to 1 in having a successful search. These are the same odds as winning $100 on a Powerball ticket. If you have no luck on these three sites for free, there is another good site that does charge a search fee of approximately $75.00 by the MIB Solutions website http://www.mib.com/lost_life_insurance_howto.html . This website boasts a 30% success rate of finding a lost life insurance policy by searching the medical information that was accessed by an underwriter when the policy was purchased. You may want to avoid life settlement agents as there is a high risk of being scammed. Certainly not all life settlement companies are scams by any stretch of the imagination; just do your homework before paying their fees.
This is a difficult task but if the face amount is high enough, it is worth the extra effort.
Condolences and good luck.
One strategy we'd recommend is to go thru banking records, and see if there were any payments made to an insurance company. If you see a company that was receiving payments, then perhaps this is the insurance company your Mother had referenced.