Trace a Missing Life Insurance Policy

Because it is the job of beneficiaries to notify the life insurance company of a policy owner’s death, more than one-quarter of all life insurance policy benefits go unclaimed, because family members simply aren’t aware a policy exists or don’t know how to find it.

A recent government audit found most life insurance companies make little effort to trace or track down missing heirs, even when it is known the policy holder is deceased. New rules taking effect in 2012 require a more diligent effort, but estimates are $1 billion in unclaimed life insurance among the major underwriters.

Even so, missing heirs can be difficult to find, 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.

Even if your insurance company no longer exists, payments of up to $300,000 are possible from state insurance guaranty associations. If you have reason to believe a life insurance policy exists but have not received payment, go to Missing Life Insurance Policy Search


AIG Life Insurance Company
One Alico Plaza
Wilmington, DE  19801
(302) 594-2000
http://www.aig.com

Allianz Life Insurance Co. of North America
1750 Hennepin Avenue
Minneapolis, MN  55403-2195
(612) 347-6500
http://www.allianzlife.com

Allstate Life Insurance Company
3100 Sanders Road
Northbrook, IL 60062
(847) 402-5000
http://www.allstate.com

American General Life & Accident
American General Center
Nashville, TN  37250
(615) 749-1000
http://www.agc.com

American Life Insurance Company
P.O. Box 2226
Wilmington, DE  19899
(302) 594-2000
http://www.conseco.com/insurance

American United Life Insurance Company
P.O. Box 368
Indianapolis, IN 46206-0368
(317) 263-1877
http://www.aul.com

Businessmen’s Assurance Co. of America
Box 419458
Kansas City, MO  64141
(816) 753-8000
http://www.bma.com

Chubb Life Insurance Company of America
One Granite Place
Concord, NH  03301-3258
(603) 226-5000
http://www.chubb.com

Connecticut General Life Insurance Company
900 Cottage Grove Road
Bloomfield, CT  06002
(860) 726-6000
http://www.cigna.com

Continental General Insurance Company
8901 Indian Hills Dr. P.O. Box 247007
Omaha, NE 68124
(312) 822-5000
http://www.continentalgeneral.com

Equitable Life Assurance Society of the U.S.
787 Seventh Avenue  49th Floor
New York, NY  10019
(212) 554-1234
http://www.equitable.com

Equitable Variable Life Insurance Co. 787 Seventh Avenue, 49th Floor
New York, NY 10019
(212) 641-8342
http://www.equitable.com

Farmers New World Life Insurance Co. 3003 77th Avenue S.E.
Mercer Island, WA  98040
(206) 232-8400
http://www.farmers.com

Federal Kemper Life Assurance Company
One Kemper Drive, T-1
Long Grove, IL  60049
(847) 550-5500
http://www.kemperinsurance.com

First Colony Life Insurance Company
P.O. Box 1280
Lynchburg, VA 24505
(805) 845-0911
http://www.firstcolonylife.com

General American Life Insurance Company
P.O. Box 396
St. Louis, MO  63166
(314) 843-8700
http://www.genam.com

Guardian Life Insurance Co. of America
201 Park Avenue South
New York, NY  10003
(212) 598-8000
http://www.glic.com

Hartford Life Insurance Company
P.O. Box 2999
Hartford, CT  06104-2999
(860) 843-8291
http://www.thehartford.com

IDS Life Insurance Company
IDS Tower 10
Minneapolis, MN 55440-0010
(612) 671-3131
http://www.americanexpress.com

Jackson National Life Insurance Company
5901 Executive Drive
Lansing, MI  48911
(517) 394-3400
http://www.jacksonnational.com

Jefferson-Pilot Life Insurance Company
P.O. Box 21008
Greensboro, NC  27420
(910) 691-3000
http://www.jpfinancial.com

John Hancock Mutual Life Insurance Co.
P.O. Box 111
Boston, MA  02117
(617) 572-6000
http://www.jhancock.com

John Hancock Variable Life Insurance Co.
P.O. Box 717
Boston, MA  02117
(617) 572-6000
http://www.jhancock.com

Lincoln National Life Insurance Company
1300 South Clinton Street
Fort Wayne, IN 46801
(219) 455-2000
http://www.libnat.com

Massachusetts Mutual Life Insurance Co.
1295 State Street
Springfield, MA  01111
(413) 788-8411
http://www.massmutual.com

MBL Life Assurance Corporation
520 Broad Street
Newark, NJ 07102-3111
(201) 481-8000
http://www.mbllife.com

Metropolitan Insurance & Annuity Company
One Madison Ave, Area 9H
New York, NY 10010
(212) 578-2211
http://www.metlife.com

Metropolitan Life Insurance Company
One Madison Avenue  Area 9H
New York, NY 10010-3690
(212) 578-2211
http://www.metlife.com

Midland National Life Insurance Company
One Midland Plaza
Sioux Falls, SD  57193-0001
(605) 335-5700
http://www.mnlife.com

Minnesota Mutual Life Insurance Company
Minnesota Mutual Center / 400 Robert St.
N. St. Paul, MN  55101
(612) 298-3500
http://www.minnesotamutual.com

Mutual Life Insurance Company of New York
1740 Broadway at 55th Street
New York, NY 10019
(212) 708-2000
http://www.mony.com

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
(212) 576-7000
http://www.newyorklife.com

New York Life Insurance & Annuity Corp.
51 Madison Avenue
New York, NY 10010
(212) 576-7000
http://www.newyorklife.com

North American Co. for Life & Health
P.O. Box 466
Chicago, IL 60690-0466
(312) 648-7600
http://www.nacolah.com

Northwestern Mutual Life Insurance Co.
720 East Wisconsin Ave.
Milwaukee, WI  53202
(414) 271-1444
http://www.northwesternmutual.com

Old Line Life Insurance Company of America
P.O. Box 401
Milwaukee, WI 53201-0401
(414) 271-2820
http://company.monster.com/oldline

Pacific Mutual Life Insurance Company
700 Newport Center Drive
Newport Beach, CA 92660
(714) 640-3011
http://www.pacificlife.com

Phoenix Home Life Mutual Insurance Co.
100 Bright Meadow Boulevard
Enfield, CT 06083-1900
(518) 479-8000
http://www.phl.com

Primerica Life Insurance Company
3120 Breckenridge Blvd.
Duluth, GA 30199-0001
(401) 381-1000
http://www.primerica.com

Protective Life Insurance Company
P.O. Box 2606
Birmingham, AL 35202
(205) 879-9230
http://www.protective.com

Prudential Insurance Co. of America
Prudential Plaza
Newark, NJ 07102-2992
(201) 802-6000
http://www.prudential.com

Principal Mutual Life Insurance Company
711 High Street
Des Moines, IA 50392-0120
(515) 247-5111
http://www.principal.com

Security Connecticut Life Insurance Co.
One State Farm Plaza
Bloomington, IL 61710
(309) 766-2311
http://www.reliastar.com

State Farm Life Insurance Company
One State Farm Plaza
Bloomington, IL 61710
(309) 766-2311
http://www.statefarm.com

Security Life of Denver Insurance Company
P.O. Box 105006
Atlanta, GA 30348-5006
(303) 860-1290
http://www.sldenver.com

Transamerica Occidental Life Insurance Co.
1150 South Olive Street
Los Angeles, CA 90015
(213) 742-2111
http://www.transamerica.com

Traveler’s Insurance Company
One Tower Square
Hartford, CT 06183
(203) 277-0111
http://www.travelers.com

USAA Life Insurance Company
USAA Building
San Antonio, TX 78288
(210) 498-8000
http://www.usaa.com

Valley Forge Life Insurance Company
CNA Plaza  22 South
Chicago, IL  60685
(312) 822-5000
http://www.valleyfrgelife.com

Western & Southern Life Insurance Company
400 Broadway
Cincinnati, OH 45202
(513) 629-1800
http://www.westernsouthernlife.com