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Results from search: http://www.insurance.va.gov/
VA Life Insurance Program
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Welcome
to Our Web Site!
Why we're in the
Insurance Business:
Our insurance programs were developed to provide insurance benefits for
veterans and servicemembers who may not be able to get insurance from
private companies because of:
the extra risks
involved in military service
a service connected
disability
History
of US Government involvement in insurance.
Contact
us via email
Call
Us Toll-free:
1-800-669-8477
( Life Insurance)
1-800-827-1000 ( Other Benefits)
Problems
using this web site?
E-Mail
the Webmaster
Note :
The Webmaster e-mail link is for technical problems only
(as when you receive an error page or message); for questions about
insurance or web site content, use the "Contact us via email"
link above.
VA
Home Page / Search /
Site Map /
Facilities
Locator / Privacy &
Security Statement /
Disclaimer / FOIA
Reviewed/Updated: March 4, 2002
Results from search: http://www.insurance.va.gov/sglivgli/sglivgli.htm
SGLI VGLI Information
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Servicemembers'
Group Life and Veterans' Group Life Insurance
SGLI
FAQ's
SGLI
Family Coverage FAQ's
VGLI
FAQ's
VGLI
Premium Rates
SGLI/VGLI
Handbook
Beneficiary
Financial Counseling
Servicemembers' Group Life Insurance (SGLI)
is a program of
low cost group life insurance for servicemembers on active duty, ready
reservists, members of the Commissioned Corps of the National Oceanic
and Atmospheric Administration and the Public Health Service, cadets
and midshipmen of the four service academies, and members of the Reserve
Officer Training Corps. SGLI is available in $10,000 increments up
to the maximum of $250,000. SGLI insureds have two options available
to them upon release from service. They can convert their full-time
SGLI coverage to term insurance under the Veterans' Group Life Insurance
program or to a permanent plan of insurance with one of the participating
commercial insurance companies.
Veterans' Group Life Insurance (VGLI)
is a program of
post-separation insurance which provides for the conversion of SGLI
to 5-year renewable term insurance. Members with full-time SGLI coverage
are eligible for VGLI upon release from service. To obtain VGLI, an
eligible member must submit an application to the Office of Servicemembers
Group Life Insurance with the required premium during the 120 days
following separation. (Application can still be submitted for up to
one year after SGLI coverage terminates, however, during that period,
evidence of good health must be submitted.) VGLI is issued in multiples
of $10,000 up to a maximum of $250,000, but not for more than the
amount of SGLI the member had in force at the time of separation from
service. VGLI Premiums are based upon the separating member's age.
Follow this link to view VGLI premium rates .
VGLI is convertible at any time to an individual commercial life insurance
policy with any one of the participating commercial insurance companies.
If
you have questions
- if you can't find the information that you're looking for on this
site, please contact the offices listed below.
Servicemembers should
contact their Personnel Office for:
changes to
Basic SGLI or Family SGLI coverage
Servicemembers should
contact their Flight, Payroll and/or Finance Office for:
SGLI and Family
SGLI premium payment information
SGLI and Family
SGLI premium refunds
Servicemembers and
their beneficiaries should call, email or write the Office of Servicemembers'
Group Life Insurance (OSGLI) for:
pending SGLI
or Family SGLI claims infomation
any aspect
of VGLI (including claims, premiums, & changes in coverage)
Note:
OSGLI does not process SGLI or Family SGLI premium payments,
refunds or changes to coverage.
OSGLI can be reached
by:
Toll-free
telephone
1-800-419-1473
E-mail
osgli.osgli@prudential.com
Toll-free
fax
regular:
1-800-236-6142
claims:
1-877-832-4943
Correspondence
Office
of Servicemembers' Group Life Insurance
290 West Mt. Pleasant Avenue
Livingston, New Jersey 07039
VA
Home Page / Search /
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FOIA
Reviewed/Updated:
March 12, 2002
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.
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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
Copyright strictly enforced. We are not affiliated with
any other agency or organization!
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
© 1996-2001 NUPA LLC - Copyright strictly enforced. Terms of use
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
For Media Interviews, Permissions,
Sponsorship Information & Consultant Services only:
(800) 370-9181
Site Map © 1996-2002 NUPA -
Copyright strictly enforced. We are not affiliated with
any other agency or organization. Terms of Use
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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.
Return to Top
Copyright
© 1999-2001, American Council of Life Insurers. All rights reserved. No portion
of this Web site, including graphics or text, may be reproduced without the
expressed consent of the American Council of Life Insurers.
Results from search: http://www.lifesearch.net/costs.htm
Costs - Unclaimed Life Insurance Search
Costs
LIFE BENEFITS
SEARCH, INC. meets the needs of the individual, the beneficiary, the probate
attorney and the law enforcement agency for a fast and cost effective way of doing a
search. Insurance companies are not required to monitor when policy holders die,
therefore it is up to the beneficiaries to contact each life insurance company to
determine if the deceased has an insurance policy in effect on the date of death. Presently, the cost of an individual contacting most U.S. based life
insurance companies is estimated to be $2,500 or more. For just $150.00 per
search , we can deliver your request to these insurance companies. These
companies have a responsibility to review all requests, and to respond to the claimant if
the deceased had benefits in force at the time of death.
Copyright 2001 - Life Benefits Search, Inc. all
rights reserved
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