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

Step Back in Time: 7 Small Towns with Unique American Atmospheres

Discover America’s most atmospherically unique small towns.

Beyond the Bar: Customer Service Lessons from the Best Bartenders

Unlock customer service secrets from your favorite bartender.

Your Safety Net Has a Safety Net: Understanding the Life Insurance “Free Look” Period

Discover your life insurance policy’s “free look” period.

From Edsel to Yugo: Three Automotive Flops That Made History

The biggest blunders in automotive history.

Stay or Go? Why Improving Your Current Home Might Be Your Best Move Yet

Love your home, don’t leave it! Discover why improving beats moving.

The Unforgettable Eight: Women Who Captured Our Hearts

Meet the eight women who are loved by all.

Elevate Your Enterprise: 11 Smart Ways to Boost Business Professionalism

Boost your business’s professionalism without breaking the bank.

Lightening the Load: A Guide to Decluttering for Your Loved Ones

Declutter for peace of mind, yours and theirs.

Smart Car Buying: Beyond the Sticker Price

Unlock the hidden costs of car ownership.

6 Simple Steps to Supercharge Your Home Security

Simple, affordable ways to protect your home.