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standing by now to assist you with the unclaimed insurance policy
quotes you need to fulfill your unclaimed insurance policy
needs. Feel free to use our service to compare unclaimed insurance policy
pricing from multiple cariers.
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Results from search: http://www.webinfosearch.com/money/
Unclaimed Money - Search for unclaimed cash and unclaimed property by state
WebInfoSearch
Search the Search Engines
with the Internet's largest MetaSearch
For search advice, read " How to Search for unclaimed money "
Search the unclaimed money databases
by clicking on a state on the map below:
Need help searching? Try www.moneysearch.org .
Searching for Unclaimed Money:
What is unclaimed property?
Unclaimed property can be almost anything. Unclaimed or Abandoned Funds are
monies which are being held by numerous agencies until the owner claims them.
Some examples of the sources of unclaimed money are:
Payroll Checks
mortgage insurance refunds
Tax Returns
military benefits
stock dividends
uncashed money orders
cashiers checks
unclaimed insurance benefits
inheritances
mineral royalty payments
unused gift certificates
safe deposit box contents
unclaimed security deposits
pension benefits
stock
state tax refunds
union benefits
utility deposits
retirements
court deposits
There are thousands of institutions that hold abandoned or unclaimed funds
, but the majority of the unclaimed funds are held by state and federal agencies.
Through reciprocity and streamlined reporting, assets are properly reported
and placed in the custody of the state of the owner's last known address.
An important U.S. Supreme Court decision, Texas vs. New Jersey, 379 U.S. 674
(1965), provides a guideline in reporting unclaimed property. Unclaimed property
is to be returned to the state of the property owner's last known address.
If there is no owner's address associated with the property, then it should
be returned to the state in which the business remitting the funds is incorporated.
States regularly exchange property and related information. This is known
as " reciprocity ". This is why it is
important to check all states for unclaimed money and property
which may be owed to you regularly, not just the most recent state you may
have resided in.
Who is likely to have unclaimed funds?
Just about anyone! It is estimated that one in four Americans are
entitled to a share of the billions of dollars nationwide that make up "Unclaimed
Funds". If you are owed money, you can get this money free or at
low cost (minimal filing fees etc.)
How much money are we talking about?
No one really knows, however it is billions of dollars. Some examples:
The Social Security Administration is holding
$75 million dollars in un-cashed benefit checks.
The United States Treasury is holding $1.3
billion dollars in savings bonds issued before 1949 that have never been
redeemed.
The Internal Revenue Service holds $25.6
million dollars in un-cashed tax refund checks.
The Federal Housing Administration is sitting
on $60 - $65 million dollars in mortgage insurance refunds owed to borrowers
who paid off their FHA home loans early.
95% of union members have a group life
insurance policy that is paid by their employer and has never been claimed.
Only 14% of railroad retirees have
had their spouse or heirs c laim their life insurance policy .
American Express enjoys a float of $3.8
billion dollars on un-cashed traveler's checks.
Each state holds millions and even billions
of dollars in abandoned funds: New York state alone is holding over 5 billion
dollars just in bank accounts and security deposits, and California
holds over 3 billion dollars !
Good
Luck! Email your success stories to feedback@webinfosearch.com
Results from search: http://www.unclaimedassets.com/us16.htm
Unclaimed Life Insurance Benefit Search - Insurance Commissioner
Unclaimed Assets .com
Unclaimed Life Insurance
Policy Benefits
Unclaimed Life Insurance Policy
Benefit Search
Life insurance companies are among the
largest holders of dormant and unclaimed assets. It's
estimated more than 25% of all policy benefits go unpaid
on the death of the insured. (For specific
information on industrial life and burial insurance
policies visit: Industrial Life
& Burial Insurance ) There is no federal agency or
national clearinghouse to trace missing policies, and
most state unclaimed property laws don't presume
abandonment of benefits until some number of years after
the insured would have attained the limiting age under
the mortality table on which reserves are based.
What this
means in plain English is that in many cases unpaid
insurance benefits aren't remitted to state custody until
the insured would have attained an age of 115 years.
Before that time virtually no effort is made to
find beneficiaries.
In the
case of unpaid life insurance policies, therefore, you
must initiate a search yourself to find and claim
benefits due . To begin, check the deceased
papers, including address and telephone books, looking
for policy documents and/or names of insurance agents.
Contact the employee benefits office at all places of
employment and union welfare offices. Search financial
records, including bank statements, to determine if
payments were made to an insurance company. Go through
the deceased's mail for a year or more after death,
looking for annual premium notices. Check with the state
unclaimed property office in each state where the
deceased has lived or worked. Do this on a regular basis.
Once again, life insurance policies typically have long
dormancy periods, so unclaimed policy proceeds may not
show up right away.
If
you are certain a policy existed but do not know with
whom, you should initiate a search with major
underwriters directly. Go to Unclaimed
Life Insurance Policy Search for assistance.
Special
Note: Many large life insurance companies have
recently "demutualized." Lost policy owners and
beneficiaries may be entitled to cash or stock as well as
policy benefits. Go to: www.unclaimedassets.com/secsch.htm for assistance.
Bureau of Public
Debt | Bureau of Indian
Affairs | Dept. of Defense |
Federal Bankruptcy
Courts | Federal Deposit
Insurance Corp | Financial
Management Service | Housing & Urban
Development | Insurance
Commissioners | Internal Revenue
Service | National Credit
Union Association | Office of Personnel
Management | Pension Benefit
Guarantee Corp | Railroad Retirement
Board | Securities &
Exchange Commission | Social Security
Admin | US Postal Service |
Veterans Benefits
Admin
Highly recommended...
Unclaimed
Assets: Money the Government Owes You! ©
Questions?
Submit
your questions and comments on unclaimed money via e-mail
info@unclaimedassets.com
Complete
Guide to the Recovery of over $300 Billion in Unclaimed
Property & Abandoned Assets held by State &
Federal Agencies
. click on cover
Unclaimed Assets HOME
© 1996-2001 NUPA LLC
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Results from search: http://www.unclaimedassets.com/puerto.htm
Locate Lost Bank Accounts - Find A Missing Life Insurance Policy
unclaimed assets .com
Search for
Closed Banks - Missing Bank Accounts - Unclaimed Life
Insurance
PUERTO
RICO
Citizens of Puerto Rico who have
lost track of assets in the United States should contact
unclaimed property offices in the states where they lived
or worked. Because many states excise accounts belonging
to owners with non-U.S. permanent addresses, requests
should be made in writing.
For general
information regarding unclaimed property potentially held
in Puerto Rico, contact: Office of Financial Affairs,
Fernandez Jurcus Station, PO Box 11855, San Juan
, PR 00910-3855.
For inquiries
specifically relating to lost insurance policies, contact
the Office of the Commissioner of Financial Institutions:
Gobierno de Puerto Rico, Oficina del Comisionado de
Instituciones Financieras, Edificio Centro Europa, Suite
600 Piso 6, Avenida Ponce de León 1492, San Juan, PR
00907-4127 (787) 723-3131; 723-4042 (fax).
For inquiries
specifically relating to lost bank accounts, contact the
Insurance and Savings Cooperatives Corporation: Gobierno
de Puerto Rico, Corporacion de Seguros y Acciones y
Depósitos de Cooperatives de Ahorro y Crédito, Gobierno
de Puerto Rico, Apartado 5449, Hato Rey, PR 00917; Tel:
(787) 765-7179 / 763-8462 (fax).
Contact
information for other governmental agencies that may be
of assistance is through the Governor's office: http://fortaleza.govpr.org and the Government of Puerto Rico
Federal Affairs Administration: 1100, 17th Street NW, Suite 800, Washington,
DC 20036; Tel: 202.778.0710 / Fax:
202.778.0733. They sponsor a website at: http://www.prfaa. com (under construction).
IOS Stock Search
Do you hold registered or bearer
share certificates of Global Natural Resources (GNR),
Investors Overseas Services (I.O.S.), Fund of Funds,
Investment Properties International, Value Capital Ltd or
North European Oil? Your shares may have value.
Bank Search
Have you lost track of a bank
account, certificate of deposit, or safe deposit box? Did
you have funds at a branch that moved, changed its name,
or even closed? Do not assume that because your bank or
credit union is no longer in existence that your funds
are lost forever. The account may well have been
transferred to a successor bank after a merger or
acquisition.
Home : www.unclaimedassets.com
Questions? info@unclaimedassets.com
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Results from search: http://www.asic.gov.au/asic/asic_polprac.nsf/byheadline/Unclaimed+moneys+from+life+insurance+&+benefit+fund+friendly+societies_lodging+statements+statements?openDocument
May 15, 2002
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Unclaimed money from life insurance companies and benefit fund friendly societies:
lodging statements
All life insurance companies and benefit fund friendly societies must submit an annual unclaimed moneys statement to the Australian Securities & Investments Commission (ASIC) by 31 March each year (Section 216, Life Insurance Act 1995). In the case of no unclaimed money for a particular year a "Nil" return must be submitted.
Regulation 10.05A specifies the information you must send us. This information ensures that accurate and sufficiently complete unclaimed policy details can be published and claimants identified. We publish this information on our FIDO , our website for investors and consumers.
Your unclaimed moneys statement must be in an electronic format and a cheque for the total balance of the statement must also be included. For "Nil" returns refer see No unclaimed policies for the year .
This webpage: gives you the specifications for the format of your unclaimed moneys statements. These specifications replace all previous ones and must be used for statements due after 31 December 2001 includes a validation program that you must download and check the format of your files before they are forwarded to ASIC. includes a checklist for sending us this statement.
Deadline for statements for the year up to and including 31 December
Statements must be submitted to us by 31 March each year (Life Insurance Act).
Format of statement
All statements must be sent on a suitable electronic medium, such as a floppy disk or compact disk (CD ROM).
If the number of records is small or if it is more convenient then you may use a spreadsheet program such as Microsoft Excel. Information about using these programs follows the next three tables
Table 1 Header record
Field description Maximum length
Record Type – fixed value of '0' 1
ABN of Company submitting statement 11
Company name 79
Year of statement shown as yyyy 4
Number of unclaimed policies at 31 December 5
Total value of unclaimed policies at 31 December shown as 999999999.99 12
Number of policies claimed since 31 December 5
Value of policies claimed since 31 December shown as 999999999.99 12
Table 2 Policy detail record
Field character Maximum length
Record Type – fixed value of '1' 1
Policy Number 15
Surname of Life/Lives insured 50
Given names and/or initials of Life/Lives insured 50
Last known address of Life insured – Address Line 1 40
Address Line 2 40
Address Line 3 40
Address Line 4 40
Surname of policy owner 50
Given names and/or initials of policy owner 50
Last known address of policy owner – Address Line 1 40
Address Line 2 40
Address Line 3 40
Address Line 4 40
Amount due shown as 999999999.99 12
Date became due shown as ddmmyyyy 8
State where registered - NSW, VIC, QLD, SA, WA, TAS, NT or ACT 3
Table 3 Policies claimed since 31 December
Field Character Maximum Length
Record Type – fixed value of '2' 1
Policy number 15
Surname of claimant 40
Given names of claimant 40
Date claimed shown as ddmmyyyy 8
Date paid shown as ddmmyyyy 8
Amount paid shown as 999999999.99 12
Comma delimited files
A ll files must be sent as comma delimited files, ie as .csv files
Example of comma delimited file
0,12345678900,AMP Life Insurance Company,2001,2,874.48
1,ABG12/66,Smith,Michael,66 Longview Ave,Randwick,NSW 2031,,Smith,Jan,66 Longview Ave, Randwick,NSW 2031,,589.25,12012000,NSW
1,PC34/678,Jackson,Peter,25 Cecil Ave,Gordon,NSW 2045,,Jackson,Yvonne,25 Cecil Ave,Gordon,NSW 2045,,285.23,18101999,NSW
Format of statements using a spreadsheet
As noted before, if the number of records in your statement is small, or if it is more convenient, then you may enter the data through a spreadsheet program such as Microsoft Excel: the header will be Record Type 0 on one line, using columns 1 to 8, see Table 1. each policy record will be Record Type 1 on one line, using columns 1 to 17, see Table 2. each policy claimed since 31 December will be Record Type 2 on one line, using columns 1 to 7, see Table 3. If there have been no policies claimed, then there is no need to use this record type. The spreadsheet should then be saved as a csv file by: selecting a function such as 'Save As' or 'Export' (See your spreadsheet programs documentation for details.) and saving as a comma delimited file. (.csv)
All records must be submitted in comma delimited (csv) format. Placing a comma within one data item (eg. PO Box 123, Sydney) should be avoided. However, if you are using Microsoft Excel, when a comma appears within one data cell (eg. PO Box 123, Sydney) double-quotes will be automatically placed around this text (eg "PO Box 123, Sydney"). The double quotes will only be visible if the file is viewed in DOS.
Note All statements must be sent electronically, no matter how small.
Checking the format of your text file
Before you send any statements to us you must check them.
Firstly check to make sure that fields eg names and addresses have not been swapped. This information must be accurate and sufficiently complete so that policy owners can identify themselves in the published lists. You can check this visually by scanning the data on the screen for errors.
Secondly download and run our validation program to detect: formatting errors and other errors such as the amount in the header not matching the summed record amounts.
To download and run this program you will need, as a minimum:a PC operating in the Windows environment (version 95, 98 or 2000).
Download the validation program by: clicking on the following icon (2.7Mb) saving it to your hard disk.
Check your data by : opening the program selecting 'Choose File to Validate' and choosing the file containing the list of unclaimed money that you want to check. You will get one of two messages:
1 if the program doesn't find any errors you will get a message:
" Data is correct and in balance ".
This means that your file is correct and ready to copy onto a disk to send to us or
2 if the program detects errors you will get a message:
" There are n errors presen t". These will show in red on the screen.
If you get this message you must then: correct the errors and run the program again on the corrected data.
Repeat this process until no errors are detected.
No unclaimed policies for the year
If you have no unclaimed money for a particular year, you must still send us a letter by 31 March of the following year stating that there was no moneys to be returned for the previous year. In this letter tell us: the name of your institution; the year of the nil return; your contact details (name and phone number); and date the letter. Send the letter to: Unclaimed Moneys Unit, Australian Securities & Investments Commission, GPO Box 9827, BRISBANE Qld 4001.
Checklist for lodging statements with us
1 Prepare data using specifications on this webpage
2 Visually scan through all data for missing or swapped names and addresses or any other obvious content errors
3 Check that the data is in the correct format by running our validation program against it. Repeat this check until the file has no errors
4 Copy the file onto a: 1.44Mb 3½ inch (IBM compatible) floppy disk or CD ROM
5 Print off and complete the following form: unclaimed money form
6 Include a cheque made out to the 'Collector of Public Moneys' for the total balance of the statement.
7 Mail the disk , form and cheque to:
Unclaimed Moneys Unit, Australian Securities & Investments Commission, GPO Box 9827, BRISBANE Qld 4001
More information about unclaimed money statements
Lodging unclaimed statements for authorised deposit taking institutions under s69 of the Banking Act 1959
Information on FIDO, our website for investors and consumers , on how to find unclaimed money
Updated: 14/01/2002
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Results from search: http://www.missingassets.com/us20.htm
Lost and Unclaimed Life Insurance Policy Benefits
missing assets .com
Search for Unclaimed Money: Lost Life Insurance
Policy Benefits
Lost / Unclaimed / Unpaid Industrial
Life Insurance Policies (Burial Insurance)
Decades ago, large underwriters like
Prudential, Metropolitan Life, and John Hancock pioneered
"Industrial Life" policies, also known as
burial insurance. Aggressive marketing to the elderly
poor made it a popular product. In Florida alone, nearly
one million policyholders are entitled to collect
benefits totaling three-quarters of a billion dollars. These types of
policies have a major flaw: they often don't contain a
pay-off date. Policyholders pay indefinitely for a small,
fixed benefit, typically $1-2,000. A National Association
of Insurance Commissioners (NAIC) investigation found as
many as half of all policyholders had made payments
exceeding the value of benefits to be received.
It's worth
noting many policy holders and heirs may be entitled to
an unexpected windfall. As a growing number of mutual
life insurance companies - including MetLife and John
Hancock - convert to stock ownership, policyholders may
be entitled to receive stock, policy credits or cash
payments in addition to policy benefits.
For
assistance locating lost and unpaid insurance policy
benefits, go to Lost Life
Insurance Benefit Search
Special
Note: A few underwriters continue to market
burial insurance. State efforts to require more adequate
disclosure have been met with industry resistance, but
the National Association of Insurance Commissioners
recently proposed a model regulation which, if adopted,
would help stop abuse.
Missing Assets .com Unclaimed
Money and Unclaimed Property held by Government Agencies
Search for unclaimed funds - click on the
red ball to go back to the Missing Assets home page
Results from search: http://www.missingassets.com/unclaimed_life_insurance.htm
Unclaimed Life Insurance Policy Benefit Search
missing assets .com
Search for Unclaimed Money: Lost Life Insurance
Policy Benefits
Unclaimed Life
Insurance Policy Benefit Search
Life insurance companies are among the
largest holders of unclaimed money. More than
one-quarter of all life insurance policy benefits go
unclaimed and unpaid on death of the insured ,
because family members aren't aware a policy exists. There is no
central repository or clearinghouse for unclaimed
life insurance policies, and virtually no
effort is made to find lost beneficiaries .
Because missing life insurance benefits aren't
considered abandoned until the insured's 115th
birthday, they won't show up on government unclaimed
property lists for some time.
Some investigation, therefore, is necessary to
trace and recover a lost life insurance policy or
unclaimed life insurance benefit.
If
you are certain a policy existed but can't find it,
initiate a search with major underwriters directly.
To order our Special Report: Lost Life
Insurance Policy Search , complete the form
below. (There is an $8 fee for this service).
Name:
Telephone #:
E-mail:
Street / PO Box:
City:
State:
Zip / Postal Code:
Country:
Additional information
or special instructions:
Payment Information: (There
is an $8 fee for this report.)
Credit card:
VISA
MASTERCARD
DISCOVER
Card #:
Expiration:
Shipping Options
Send results via e-mail [recommended]
Send results via USPS First Class Mail
[add $2]
Missing Assets .com Unclaimed
Money and Unclaimed Property held by Government Agencies
Search for unclaimed funds - click on the
red ball to go back to the Missing Assets home page
Results from search: http://www.unclaimed.com/unclaimed_life_insurance.htm
Unclaimed Life Insurance Policy Search
Unclaimed Assets: Money The
Government Owes You!
Unclaimed Life
Insurance Search
Unclaimed
Life Insurance Policy Benefit Search
Life insurance companies are among the
largest holders of unclaimed money. More than
one-quarter of all life insurance policy benefits go
unclaimed and unpaid on death of the insured ,
because family members aren't aware a policy exists. There is no central
repository or clearinghouse for unclaimed life insurance
policies, and virtually no effort is made to find
lost beneficiaries .
Because
missing life insurance benefits aren't considered
abandoned until the insured's 115th birthday, they won't
show up on government unclaimed property lists for some
time. Some investigation, therefore, is necessary to
trace and recover a lost life insurance policy or
unclaimed life insurance benefit.
If
you are certain a policy existed but can't find it,
initiate a search with major underwriters directly.
To order our Special Report: Life Insurance
Policy Search , complete the form below. (There
is an $8 fee for this report)
Name:
Telephone #:
E-mail:
Street / PO Box:
City:
State:
Zip / Postal Code:
Country:
Delivery Options
Send results via e-mail [recommended]
Send results via USPS First Class Mail
[add $2]
Additional information
or special instructions:
There is an $8 fee for
this report.
Payment Information:
Credit card:
VISA
MASTERCARD
DISCOVER
Card #:
Expiration:
Unclaimed Assets: Money The
Government Owes You!
click on the red ball to go back to the
Unclaimed Assets home page
Results from search: http://www.unclaimed.com/
Unclaimed Property Search - Find Lost Money Held By State and Federal Government Agencies
Unclaimed Assets: Money The
Government Owes You!
Unclaimed
Property Search
As featured on CNBC and in USA Today
Unclaimed
Property and Lost Money
State and federal agencies are
holding over $300 billion in unclaimed property and lost
money. An asset becomes abandoned in the eyes of the law
when the original owner is lost (typically after a name
or address change), or when the rightful heir fails to
'communicate an interest' in it over a number of years,
known as the 'dormancy period.' Those left holding
unclaimed assets - banks, brokers, insurance companies,
and government agencies themselves - remit them to the
protective custody of a government trust account in a
legal process referred to as 'escheat.' Here they await
your claim!
Unclaimed
Money Consumer Alert
> You must initiate
an unclaimed property search - government agencies holding
unclaimed funds will not contact you.
> There is no
national database of unclaimed funds - unclaimed assets
may be held anywhere, regardless of where you now live.
> Unclaimed property
databases online contain only a fraction of lost accounts
available for claim.
> Unclaimed money
held by Federal agencies is not included in state
unclaimed property databases.
> Foreign nationals
and corporations need to follow special procedures to
locate and claim lost money and missing assets.
> Certain types of
lost assets are not included in unclaimed property
databases (including government refund checks)
> Unclaimed property
claims refund checks average $800-$1000, but many are for
substantially more.
> There are
statutory time limits on some types of unclaimed property
claims, so take prompt action.
Search for
Unclaimed Funds
Government Unclaimed Property
Database
Click on binoculars. Note:
State missing owner databases online contain only a
fraction of accounts actually available for claim.
On-line searches should only be used as a first step.
additional assistance ...
ASSET
TRACERS
Are you or a family member entitled
to unclaimed property? Have you been contacted by
professional asset tracer (i.e. Keane Tracers,
EquiSearch, CapitalLink, CityVest, Nelson Brown, National
Refund Recovery, Unclaimed Assets Bureau, etc.)? Go to: Unclaimed Property
Search
BANK
ACCOUNTS
Don't assume an unclaimed bank
account is lost after years of inactivity, or even if a
branch closed due to merger or bankruptcy. Funds may have
been transferred, or you may be entitled to claim deposit
insurance. To locate an unclaimed bank account go to: Lost Bank Account
Search
LIFE
INSURANCE
More than 25% of all life insurance
policy benefits go unpaid at death. In most cases life
insurance isn't legally abandoned until the insured's
115th birthday. Virtually no effort is made to find a
lost beneficiary. For assistance
locating an unclaimed life policy go to Life Insurance
Search
STOCK
AND BONDS
Lost shareholders are entitled to
unclaimed stock & dividends worth $10 billion. Don't
assume unlisted stock is worthless. Stockholders in
companies that were acquired or merged may be eligible to
receive distributions from the restructuring, even if
years ago. Go to: Unclaimed Stock
Search
IRS
TAX REFUNDS
Last year the IRS had 102,840 tax
refund checks worth $72 million returned by the post
office as undeliverable. This figure doesn't include tax
refund checks that were delivered but went uncashed. For
assistance locating missing IRS tax refunds go to: IRS Tax Refund
Search
HUD
REFUNDS
Thousands of borrowers with FHA
insured mortgages may be entitled to unclaimed HUD
Refund: Mortgage Insurance Premium (MIP) refunds or
Distributive Shares. To find out if you qualify go to: HUD Refund Tracer
SAFE
DEPOSIT BOX
Did a deceased family member had a
safe deposit box, but you don't know where? Have you
found a safe deposit key, but don't know how to find the
box? Has the bank where the box was held closed? For help
locating a lost safe deposit box go to: Safe Deposit Box
Search
PENSION
FUNDS
Pension plan administrators make
little effort to locate lost beneficiaries who may have
moved or changed name over the years, and many employers
themselves move, change name, merge or are acquired by
others. For help in locating an unclaimed pension, go to: Lost Pension Search
BANKRUPTCY
FUNDS
Bankruptcy courts hold in excess of
$200 million in unpaid distributions to creditors.
Trustees are often unable to locate creditors living in
other states. If you are a creditor who has not received
a distribution, or a filer entitled to refund, go to: Bankruptcy Filing
Search
SAVINGS
BONDS
Virtually every American has given
or received US Savings Bonds bonds at birthdays,
graduations and other special events. The value of
unredeemed and lost US Savings Bonds now exceeds $7
billion! To claim lost, destroyed or uncashed bonds go
to: Lost Savings Bond
Search
GOVERNMENT
BENEFITS
Millions of dollars in Civil
Service & Federal Employment Retirement System (FERS)
benefits go unpaid each year. Because Office of Personnel
Management records are not computerized, virtually no
effort is made to locate those owed unclaimed benefits.
Go to:
Government Pension
Search
US
POSTAL SERVICE FUNDS
$25 million in US Postal Service
money orders go uncashed each year. If you purchased a
postal money order that was lost, destroyed, or uncashed,
or to determine the status of a Postal Savings System
Certificate or Postal Savings Bond go to: USPS Money Order
Search
INDIAN
TRUST FUNDS
The Bureau of Indian Affairs holds
in excess of $450 million for over 300,000 Native
Americans. The whereabouts of at least 47,000 who are
owed funds is unknown. If you haven't received payment
(pending litigation may increase your entitlement), go
to: Indian Trust Fund
Search
VETERAN
BENEFITS
For assistance locating unclaimed
veteran benefits, including death and disability
payments, burial allowances, life insurance, unclaimed
military pay, Adjusted Service Bonds and Armed Forces
Leave Bonds, go to: Veterans Benefits
Search
SOCIAL
SECURITY
The Railroad Retirement Act
replaces Social Security for railroad employees,
providing for the payment of retirement, disability and
survivor benefits. Five percent of beneficiary addresses
on file are not current. To search for lost railroad
benefits go to: Social Security
Benefit Search
RAILROAD
RETIREMENT
The Railroad Retirement Act
replaces Social Security for railroad employees,
providing for the payment of retirement, disability and
survivor benefits. Five percent of beneficiary addresses
on file are not current. To search for lost railroad
benefits go to: Railroad Retirement
Benefit Search
CLASS
ACTIONS
Current and former customers and
stockholders in over 2000 companies are entitled to
settlements from class action lawsuits. Court approved
settlements have exceeded $10 billion, yet half of those
entitled to payment fail to file a claim. Go to: Class Action
Lawsuit Search Search
Books on
Unclaimed Government Money
Featured on CNBC and in USA
Today
UNCLAIMED
ASSETS: Money the Government Owes You!
Complete
Guide to the Recovery of over $300 Billion in
Unclaimed Property & Abandoned Assets
click on cover to order
Questions
& Comments: info@unclaimed.com
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Results from search: http://www.acli.com/public/consumer/content/policy.htm
ACLI: Missing Policy Inquiry
Missing
Policy Inquiry
If you suspect a policy exists, but cannot locate it, you may want to conduct
your own search using the steps provided below:
Check the deceased's papers and address
and telephone books to look for life insurance policies and the names of
insurance agents. Contact every insurance company with which the deceased
had a policy, even if you're not sure it is still in force.
Check with the employee benefits
office at the deceased's latest and previous places of employment. Or, check
with the union welfare office.
Check the deceased's bank books and
canceled checks for the last few years to see if any checks may have been
written to pay life insurance premiums.
Check the deceased's mail for a year
after death for premium notices, which usually are sent annually. If a policy
has been paid up, there will not be any notice of premium payments due.
However, the company may still send an annual notice regarding the status
of the policy or it may pay or send notice of a dividend.
Review the deceased's income tax
returns for the past two years. Look for interest income from and interest
expenses paid to life insurance companies. Life insurance companies pay
interest on accumulations on permanent policies and charge interest on policy
loans.
Check with the state's unclaimed
property office to see if any unclaimed money from life insurance policies
may have been turned over to the state. If, after a number of years, an
insurance company holding the unclaimed money cannot find the rightful owner,
it turns the money over to the state.
Of course, you may wish to contact
life insurance companies directly to see if a policy exists. The state
insurance department should
have a list of all life insurance companies licensed to do business in the
state in which the deceased may have purchased a policy.
Contacting the Company That Services
Your Life Insurance Policy
If you are the owner or
beneficiary of a life insurance policy written long ago, you may need help locating
the life insurer that services and pays claims on the policy.
Over the years, a policy
owner may lose touch with the life insurer due to frequent moves, or the company
that wrote the policy may have changed its name or merged with another company.
Two sources of information
can assist you in finding the life insurance company that currently services
your policy:
The state
insurance department of the state in which the insured person resided
at the time he or she bought the insurance policy.
Best's Insurance
Reports , available in the reference section of many larger libraries.
This annual update lists insurance company names and addresses, as well
as insurers' name changes, mergers and other changes.
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of this Web site, including graphics or text, may be reproduced without the
expressed consent of the American Council of Life Insurers.
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Life insurance companies are among
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because family members aren't aware a policy exists.
There is no central repository or
clearinghouse for unclaimed life insurance policies, and virtually no
effort is made to find lost beneficiaries . Because missing life
insurance benefits aren't considered abandoned until the insured's 115th
birthday, they won't show up on government unclaimed property lists for some
time. Some investigation, therefore, is necessary to trace and recover a
lost life insurance policy or unclaimed life insurance benefit.
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