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Life Insurance

Though used for many things, the main purpose of life insurance is to financially protect your family after you die. It ensures that your dependents will have the financial resources needed to maintain their lifestyle. It can be used as income replacement, a way to pay outstanding debt or for estate planning. When you buy life insurance, you want coverage that fits your needs and your budget, so it is important that you understand your needs and the choices available.
 
The department has put together a list of publications and resources, listed alphabetically, to help answer your questions and help you understand your options. Feel free to browse the following publications and resources. For a complete list of consumer brochures and fact sheets, you may click here

If you think a loved one who has passed had a life insurance policy on which you may be named as a beneficiary, but you don’t have the policy, we may be able to help. 

The National Association of Insurance Commissioners (NAIC) has developed a life policy finder service which asks life insurance companies to search their records to see if an individual had a policy with the company. The insurance company will contact the requester if a policy is found and the requester is named as a beneficiary. If you have any questions regarding the NAIC Life Insurance Policy Locator Service, please contact the Department's Bureau of Consumer Services at 1-877-881-6388.


At this time, we cannot require insurers to notify beneficiaries, but we are supporting draft legislation that would require companies to do this; however, we believe this service will help many people get life insurance benefits to which they are entitled, and will allow for the wishes of policyholders to be followed.