How Can I Find Out If Someone Has A Life Insurance Policy? 
The first place that you can check is Policy Locator Service through the Medical Information Bureau . MIB Group , Inc is a cooperative data exchange formed by the North American life insurance industry in 1909 . There is a cost associated with the search but it will return results via mail with a list of queries by insurance companies for underwriting on the search subject , from whenever they were `` shopped '' for insurance . Keep in mind , that this is not 100 % inclusive for all insurers . The search form is located here WEBSITELINK Secondly , through some sleuthing using either the above list or my following list of suggestions , you should contact the insurers on your target list , in order to verify the active policies . Where to search : - Credit card and bank statements : Go back through the insured 's financial records and look for periodic payments to insurers , whether it be on a monthly , quarterly , semi-annual or annual basis . This should indicate who the insurer is/was based upon where the money is paid to . - Banks , Credit Unions , Credit card companies : Often times , many banks , lenders and credit companies offer group policies for their account holders for as little as $ 1,000.00 of coverage and higher amounts based upon certain requirements . Check with these groups to see if they had offered any of these products at any point in time . - Pay stubs/Employers and Benefits companies : Many employers offer a basic life or AD&D policy to full time employees for free as well as inexpensive group policies . Deductions for the premium payments on the group policies may be found on the insured 's pay stub . However , many times , this coverage is only active when the insured is employed . - Split Dollar/Executive Compensation plans : Some employers taking advantage of tax regulations , used life insurance to pay benefits to key employees which may have also been part of Supplemental Exec Retirement Plans -LRB- SERP -RRB- . Verify with the insured 's former employers if any plan existed . - Unions , Pensions and Fraternal organizations : Many Unions and Pension funds may have a small paid-up policy on the insured as part of their benefits package . The same goes for Fraternal organizations including Knights of Columbus , Elks , Masons , etc. . Many times the search is no easy task however , after a bit of detective work and dedication , you may uncover a handful of forgotten or unknown small policies , where the cumulative benefit adds up and more than justifies the search ! 