FREE CONSUMER RESOURCES

Two searches you can run yourself

Both are free public services. There is nothing to buy, and Moksha Insurance Services charges nothing for either one.

Applying for coverage. See what participating carriers see.

Locate a deceased person's life insurance policy or annuity.

UNDERWRITING RECORDS

Your MIB Consumer File

When you apply for life insurance, the carrier asks your permission to check MIB — a shared database of underwriting information that member insurance companies contribute to and consult during underwriting. It is not a credit bureau, and it does not decide whether you're approved.

Step 1

You authorize the check

With your permission, the carrier compares what you put on your application against anything already held in your MIB Consumer File.

Step 2

A discrepancy starts a review

If something doesn't line up, the carrier follows up with you to understand why. Member carriers cannot make an underwriting decision on the MIB file alone — it has to be investigated further.

Step 3

Your file is updated

As underwriting concludes, the member carrier reports anything of underwriting significance back to MIB, which updates your file.

Request your file — free, once a year

Know what's in your file before you apply

A file exists only if you've applied for individually underwritten life, health, disability, or long-term care coverage with a member company in the last seven years. If something in it is inaccurate or incomplete, you have the right to correct it. If you've received an adverse underwriting decision that cites your MIB record, you're entitled to an additional free copy.

Request your file ↗ Correct an entry ↗

MIB also takes requests by phone at 1-866-692-6901. That number is listed here as plain text only.
only you, for your own file — with narrow exceptions for an attorney-in-fact under power of attorney, a court-appointed guardian, or a parent requesting on behalf of a minor child.

Moksha Insurance Services is not affiliated with MIB Group, Inc. This is a free public service; we link to it as a convenience and charge nothing for it.

LOST POLICY SEARCH

Life Insurance Policy Finder

You can ask insurers to search their records for a life insurance policy or annuity contract belonging to a deceased person, at no cost.

NATIONWIDEStart here

NAIC Life Insurance Policy Locator

Run by the National Association of Insurance Commissioners. Submit one request, and participating companies search their records for a policy or annuity in the deceased person's name. If a match is found, the company responds directly to you, provided you are the named beneficiary or otherwise authorized to receive the information.

Start a request ↗ Read the FAQ ↗

Several states also run their own locator — where did the person live?

With scripting off, here are all five links directly:

What you'll need

The deceased person's full legal name, including any previous names

Social Security number, date of birth, and date of death

Last known address

A copy of the death certificate

Responses typically arrive over weeks, not days. No response means no participating company found a match.

Moksha Insurance Services is not affiliated with the National Association of Insurance Commissioners or any state insurance department. These are free public services; we link to them as a convenience and charge nothing for them. We cannot submit a request on your behalf.

Still stuck?

If neither search turns up a result

Contact Moksha Insurance Services directly and we can point you toward the next place to check.