On the state government website for your state, look for a link to unclaimed property.  Click that link and then enter the name of the insured to find the unclaimed property and claim number.  The state should have instructions as to the forms you need to file for your claim.  The forms might include proof of heirship and a separate claim form.  The website information and the required forms may vary from state to state, but this information should get you on the right path to claiming the proceeds of the insurance policy. Also, if you receive letters from companies telling you that they will help you recover the unclaimed property for a fee (usually a percentage of the amount of the proceeds), ignore those letters.  The forms you will need are easy to complete and you don't need to pay someone a percentage to obtain the unclaimed property from the state for you.