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To find out if someone has a life insurance plan, use a life insurance policy finder, search through existing records or ask your respective insurance company or legal advisors.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
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Read on to know more about Life insurance policy finder in detail:
A life insurance plan is an agreement signed between an insurance company and a policyholder. This contract determines the amount paid to the nominee after the death of a policyholder. This plan only works if life assured has paid all the premiums on a regular basis. Ideally, life insurance plans are commonly known for providing life coverage to the policyholder.
Term Plans
Here are some of the major benefits offered by life insurance plans:
Tax Benefits: Availing of a life insurance policy can guarantee you the benefits on tax. The premium amount you pay towards your plan makes you eligible for exemptions on a tax of up to Rs.1.5 lacs, u/s 80C of the Income Tax Act. Tax benefits are also available under section 10(10D) of ITA.
Loan facility: Certain plans provide the option to avail loan and allow to borrow an amount. This simply means that if you require to take a loan to fund the marriage or education of a child, you can use a life insurance plan as security.
Guaranteed fixed returns: Life insurance plans guarantee a fixed amount after a fixed timeframe. You are required to go through the aspects of various life insurance products. Read through the T&Cs of different plans to choose a plan that best suits your requirements.
Risk coverage and mitigation: These plans provide the risk cover of financial compensations to lessen and cover risks after the death of a policyholder. By purchasing life insurance plans, you are securing your loved ones against the financial risk that might occur if the sole earner meets an unfortunate death.
Coverage for medical expenses: Most plans cover health and its treatment expenditure that may occur if the life assured falls sick. You can also select to enhance the coverage of the plan to protect your finances in case you are alive.
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When the policyholder dies, the death benefit is paid to beneficiaries by the insurance company. However, the insurer is not always notified when the life assured has died and, in some cases, the beneficiary gets the information of the policyholder’s death before the company does. So, always file a claim with the insurance company as soon as possible to collect the death advantage.
If the policyholder dies before informing you where to find a policy copy or whether it exists or not, you might not have all the details so you are required to file a claim. Learn how to locate a life insurance policy if someone has it and how to find a plan in case someone has died.
Life Insurance Policy Finder is a tool that helps you find a plan you may have forgotten about or your family member has provided you with a legacy. It is a free-of-cost service that assists families in locating unclaimed benefits on life insurance plans. Apart from the online search, there are other ways to find someone who has life insurance:
Obtain the death certificate
Talk to family members
Check his/her personal belongings
Check email
Contact insurance company
After finding that one has the life insurance policy, you are required to go through the document. If you know the insurance company, so contact the company and ask about the beneficiary information on the policy. Various insurance company websites also offer Life insurance policy finder in which following details are required to enter:
Your Name
Contact Details
Policy Number
The name of a policyholder
Death date (if the policyholder has died)
Relationship with the deceased
This tool will search through the existing records on the company’s databases of Individual life insurance plans. It does not provide a location or search for group life insurance plans i.e., plans provided through employment.
The only individuals who will have the access to monetary information of policy such as policy documents are:
Spouse, parents, or child of a policyholder
Assigned/appointed beneficiary towards the life insurance policy
You may be the nominee/beneficiary of a life insurance plan and not aware of it. A life insurance policy finder helps you to locate a lost policy easily and conveniently.
Note: It is suggested to calculate the term plan premium on the term life insurance calculator online tool by Policybazaar before buying.
Note: Check all the best term insurance plan in India.
Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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