UK Unclaimed Life Insurance Policy Search

Trace a Missing Life Insurance Policy

Life insurance policies are an easily forgotten source of unclaimed funds, due to their long-term nature. Sources very conservatively estimate £2bn is languishing in forgotten and unclaimed life policies around the UK.

It is ultimately the responsibility of family members to notify the life insurance company of a policy owner’s death.  But benefits frequently go unclaimed on death of the insured, because heirs aren’t aware a policy exists, or don’t know how to find it. Many local mutuals and friendly societies, for example, issued low-premium savings products as a form of life insurance.

When missing heirs neglect to claim life policy benefits after death of the insured, policy cash and benefits are held until claimants come forward, but little effort is made to locate them. Family members can be difficult to trace, due to name changes after marriage or divorce, an unreported change of address or expired postal forwarding order after a move, and incomplete or illegible records. Adding to the problem – insurance companies themselves often merge with other companies and change names.

If you have reason to believe a life insurance policy exists but have not received payment and cannot locate the underwriter, complete the form below to initiate a search.