You can use the Life Insurance Policy Locator Service provided by NAIC (National Association of Insurance Commissioners). The online portal requires you to provide information about the deceased, like their last known address, social security number, last name, and dates of death and birth. The locator service won't give you instant results. It may take months and you may have to provide the policyholder's death certificate before making a claim. This service works best when you use it shortly after your loved one's death. In 2019, NAIC's free locator helped over 46,600 beneficiaries to locate over $650 million worth of annuities and policies. If it has been years since your loved one passed on, you should consider using the NAUPA (National Association of Unclaimed Property Administrators) website. The website comes with a map that points you to every US state's unclaimed property unit. The units oversee all kinds of unclaimed assets, including life insurance, and so you should search their records. You can file a claim if you find assets that belong to you. The agency will contact you through email, informing you of the steps you need to take to get your money. They may demand a copy of your ID, Social Security Number, and evidence that you once resided or currently reside at the address linked to the unclaimed or lost property.