You Had Life Insurance, But Now No One Can Find It

You Had Life Insurance, But Now No One Can Find It

It’s theoretically possible that you could live forever. But you probably won’t. Life insurance is what protects your family from the consequences of your untimely (or timely) demise, but it’s not as simple as just having an insurance policy. Here’s what you need to know.

You Could Have More Life Insurance Than You Think

Life insurance is very affordable. In fact, so affordable that it practically comes in cereal boxes. You may have more insurance than you think: through your employer, credit accounts, or bank. Usually these life insurance policies are fairly small, but they still add up. That being said, if you don’t know about your insurance coverage, your family certainly doesn’t.

The Problem of Life Insurance Policies

Your life insurance company doesn’t actually know when you’ve died. They need to be contacted by one of your next of kin, with a death certificate. And that can be difficult if your next of kin isn’t aware that you even have a life insurance policy. So what can you do?

You need to make sure that your family has all the relevant copies of your insurance policies. It’s not a topic that a lot of people enjoy, so it’s a topic that we often avoid. But something as simple as a folder with your life insurance policies in it can help.

Have all of your documents nestled safely on your computer? Better remember that your family members all know and remember your passwords.

Life Insurance Comes in Many Flavors

Keep in mind that there are multiple types of life insurance. Term life insurance policies expire, so if you forget about them, stop paying them, or fail to renew them, you no longer have life insurance. Whole life insurance policies are different: they last your entire lifetime because they’re like investment accounts. And then there are annuities, which is a different beast altogether.

An independent insurance agent can work with you to make sure you have the life insurance you need, and that your family has all the documents they’ll need to find your insurance if you pass.

Life insurance is something that you don’t want to put off. When it’s too late, it’s really too late. Contact an independent insurance agent today to learn more about your coverage options.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

The Wanderer’s Playbook: The Art of Traveling on a Budget

A practical guide to finding and saving money on travel adventures.

The Entrepreneur’s Toolkit: From Startup to Success, Insuring Every Step of the Journey

A phase-by-phase guide for entrepreneurs on the essential business insurance policies they need.

Beyond a Payout: How Life Insurance is a Living Financial Tool

A guide to how life insurance can be a living financial tool, with a focus on its cash value component.

The Driver’s Playbook: How to Maximize Your Auto Insurance Benefits

A playbook for drivers, revealing key policy benefits and strategies to get the most from your auto insurance.

Beyond the Big House: Uncovering the Hidden Value in Home Insurance

A deep dive into the valuable but often overlooked components of a home insurance policy.

The Thrill of the Grill: A Masterclass in BBQ Perfection

An ultimate guide to mastering grilling and barbecue, with tips, techniques, and delicious recipes.

The Entrepreneur’s Armor: A Guide to Protecting Your Business

A crucial guide to business insurance, covering essential policies and strategies for entrepreneurs.

The Gift of Security: A Simple Guide to Life Insurance

An easy-to-understand guide to life insurance, explaining policy types and a simple way to calculate your needs.

Hitting the Road Safely: Understanding Your Auto Insurance Policy

A simple guide to auto insurance, explaining coverage, premiums, and tips for finding the best policy.

The Homeowner’s Handbook: Protecting Your Property and Peace of Mind

A clear guide to home insurance, covering policy types, inventory tips, and how to save money.