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Life Insurance Ownership: The insured vs beneficiary,

Life Insurance Policy Ownership The insured or the beneficiary: Who actually owns a life insurance policy? Depending on the ownership type, the policy owner can be owned by either the person who is insured OR the beneficiary (the person who the policy is designed to pay out). The policy owner. The policy owner has full and total control and can cancel or change the policy. The owner can be either the insured, the beneficiary, a joint ownership between the two parties or even a third party like a superfund. The life insured. This the person who's life is insured against them passing away. If the life insured passes away within the term of the policy then a payment is made to a beneficiary....

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The Billion-Dollar Lost-and-Found of Unclaimed Life Insurance Policies

The Billion-Dollar Lost-and-Found of Unclaimed Life Insurance Policies It is difficult enough to deal with the emotional loss of a loved one. But what if your deceased loved one’s financial documents – particularly their life insurance policy or policies – have been misplaced, or simply can’t be found? This can make the process of settling your loved one’s financial affairs an extremely stressful and daunting task. In fact, over $1 billion of life insurance policy death benefits have gone unclaimed through 2013, according to a 2013 Consumer Reports finding. In a perfect world, everyone would have their files clearly labeled, their wills and trusts updated regularly, and their affairs...

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Find the Best Portland Life Insurance Policy Options for You

When thinking about insurance, life insurance in Portland, OR can easily be put on the back burner, but life insurance can be just as important as auto or home insurance. At Fox Insurance we understand the importance of life insurance and the role it should play when planning your finances. When considering your options to insure your life, there are many choices. Life insurance can provide you with the comfort that your loved ones will be taken care of in the event something should happen to you. Some life insurance policies also have the ability to provide benefits while you are still living. Making sure that you have the right type and amount of life insurance can be difficult. Speak...

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Finding A Lost UK Life Insurance Policy Or Policies, Insurance Hero

After making funeral and burial arrangements, it is time to go through the belongings of the deceased and settle the estate, which can be a complex and expensive process. Final bills, a mortgage balance, debts, and inheritance tax can drastically reduce the estate value. If the estate does not meet the threshold for inheritance tax, one expense is avoided. However, others can put surviving loved ones into financial distress. The payout from a life insurance policy would be useful during this time. Sixty Percent Of UK Families Do Not Own A Life Insurance Policy… Many of those who do never tell their loved ones about it. If the policyholder dies, surviving beneficiaries will not be...

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Life Insurance Policy Problems, LegalMatch Law Library

Life Insurance Policy Problems What are Common Life Insurance Policy Problems? While many people have life insurance policies, the policies themselves can be difficult to understand and full of arcane language. When it finally comes time to cash in the policy, people are often unprepared for the problems and loopholes that an insurance company might suddenly find in order to avoid paying a claim. Below are some of the most frequently asked questions about problems with life insurance policies. What is an Unfair Insurance Claim Practice? An unfair insurance claim practice is where an insurer attempts to reduce the amount of a claim or avoid payment altogether. The National Association of...

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How to Find Lost Life Insurance Policies Our Top 13 Tips

When someone close to you passes it forces you to deal with many uncomfortable issues as well as doing your best to sort through someone’s entire life and possessions. Passwords to computers, safe deposit boxes, bills, and years of accumulated stuff make it difficult to properly administer an estate or execute a will. Another major issue is finding a lost life insurance policy. Who do you go to? What company did they use? It can all be so overwhelming. In the following article we have done our best to provide you with the tools necessary to help you locate a lost life insurance policy, especially for life insurance beneficiarie s. Hopefully the information below will help you on your...

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Suggestions for How to Locate Missing Life Insurance Policies, disb

Suggestions for How to Locate Missing Life Insurance Policies DISB often receives inquiries about how residents can locate missing or lost life insurance policies. Here is a resource, the national life insurance policy locator for finding missing policies. Below is more information and resources on serching missing policies. Conducting Your Search If you believe your spouse or relative had a life insurance policy, but you can’t find it, there are some steps you can take to locate it. If you exhaust your own search, the National Association of Insurance Commissoners (NAIC) has a national life insurance policy locator to help you find an insurance policy or annuity. But you could start...

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How To Find a Lost Life Insurance Policy - The Wurzel Insurance Agency

How To Find a Lost Life Insurance Policy In the past, many widows and orphans had a problem: When a loved one passed away, it was often difficult to find old life insurance policies – or even find out if one was in force. Some states created databases of policies issued within their jurisdictions, but there was no nationwide database to turn to from anywhere in the country. This caused a great deal of needless hardship as widows and orphans were unable to receive critical benefits just when the family needed them most. Fortunately, that’s changed: The National Association of Insurance Commissioners, a nationwide group representing state insurance regulating bodies in all 50...

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How Do I Locate a lost Life Insurance Policy?

Losing an insurance policy can be a very nerve-wracking problem. Not knowing what you paid for, not sure if everything has been set in stone, figuring out if the policy is still active, and other such problems can cloud the process of getting the benefits. As such, it is imperative to find out where the insurance policy went. Here are a few steps you can take to help get things started. What it means to have a lost life insurance policy Losing a life insurance policy is not the same as not paying for the insurance policy itself. Not paying for the insurance policy is essentially equal to cancelling the policy, as the policy would be completely rescinded. Losing the life insurance policy is...

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micasainsurance-, Locate your Lost Life Insurance Policy

How can I locate a lost life insurance policy? If a family member dies and you are unable to locate his or her life insurance policies, there is, unfortunately, no national or statewide database of all life insurance policies that you can consult. However, you can try to determine: which agent or broker might have sold or serviced the policy whether the deceased might have had insurance through an employer, union or trade association, or other group to which he/she belonged. Here are some strategies that might turn up useful information: Look for insurance-related documents. Search through files, bank safe deposit boxes, and other storage places to see if there are any insurance-related...

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