Life Insurance Policy Locator

Life Insurance Policy Locator

A Message from Colorado Insurance Commissioner Michael Conway

“Family members bought life insurance with the idea of looking after their loved ones,” says Colorado Insurance Commissioner Michael Conway. “If the policy or the annuity goes missing, that plan goes unfulfilled. If you know, or even suspect, that there’s a policy out there that was your parent’s, grandparent’s, or someone else close to the family, I encourage you to log in and submit a request.”

Life Insurance Policy Locator - from the National Association of Insurance Commissioners (NAIC)

Life Insurance Policy Locator

Consumer requests are encrypted and secured to maintain confidentiality. Participating insurers compare submitted requests with available policyholder information. If there is a match, companies contact beneficiaries or their authorized representatives. Insurance companies have 90 days to research inquiries.

The Life Insurance Policy Locator is a tool that was developed by the National Association of Insurance Commissioners (NAIC) after regulators across the country recognized that lost policies were a growing problem. In the Locator’s first year (Nov. 2016 - Oct. 2017), it matched beneficiaries with lost or misplaced life insurance policies or annuities leading to $92.5 million returned to people across the U.S., with $5,676,199 for Colorado beneficiaries. It has since returned millions more to consumers.


Lost policies and annuities are a surprisingly common problem. Many of us have lost a loved one and have a vague memory of a life insurance policy being mentioned. Or as we help to sift through our parents’ or grandparents’ papers we come across a listing of a policy or an annuity.