Do you suspect that a loved one may have paid premiums for a policy that was never paid at the time of death? Is it possible that proceeds are being held for you in escrow accounts from unclaimed life insurance policies, or individual annuities or pension plans? If so, you should notify the issuing company immediately that you wish to file a claim. The company will then assist you in doing so, by furnishing necessary forms and advice. That is not a problem, and there is no charge for this service by the companies.

The real problem arises when it is almost certain that the deceased person had some kind of policy, and you have no information concerning the name of the issuing company nor any address to use to contact that company.

No governmental agency or other organization maintains a file of general information about individual policies or group policies that may be in force throughout the country. Because there is no consolidated listing or central source to report what insurance may be in force and where to find it, a beneficiary must contact each company separately, asking if they have the records being sought.

LLIFE maintains a database of insurance company names and addresses - ready to go at all times - which has been growing over the past 10 years. You put us in a position to act as your agent. We assist you to draft a statement of necessary facts and background information that will enable skilled clerks in every major life insurance records area to search company records for policies you seek. After crafting a satisfactory document for you from the details and information you provide, we then forward it for you directly to all the insurance records centers in our database. Employees of the various insurance companies receive your document, search their records, and respond directly to you, not to LLIFE.

Our task is complete when the prescribed number of companies receive your inquiry. Of course, we are only a telephone call away if you have questions. If a company finds your policy and if you are the beneficiary, they will include claim forms with their reply. It is our experience that many companies who find nothing simply write "No Record Found" or some similar response across the document they received, and return that to you. You and your loved ones can gain peace of mind with the added knowledge that nothing was missed as each company "reports in" that nothing was found. If life insurance policies exist at the moment of death, they should be found, and they should be paid to the proper beneficiaries! We help you find the unpaid policies, at a cost lower than you would spend for the stamps to contact each company yourself!