How To Know If Someone Had Life Insurance? 
If you are a direct beneficiary of the decedent , especially if youre the spouse , review bank records for checks made out to insurance companies . Believe it or not it is the easy avenue to discovery , if you dont know for sure . And while youre at the bank check safety deposit boxes and any safes at home . If the decedent was taking social security benefits , the death should be reported . Life insurance companies are supposed to scan the Social Security Master file on a monthly basis -LRB- depending upon each state . -RRB- 