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Ask the Life Insurance Expert

My dad passed away. We can’t find his policy but some years ago he told me his funeral is paid for.

Unfortunately this could be like finding a needle in a haystack.

Here are some tips for finding lost life insurance, such as looking at past checks or credit card statements for hints of premium payments.

But also, your father's statement makes me think he may have purchased a pre-need insurance policy through a local funeral home. These policies, sold by funeral directors who are licensed insurance agents, specifically cover funeral expenses and allow the buyer to pre-plan funeral arrangements. If you know which funeral home your father would have preferred, check with them on the existence of a pre-need insurance policy.

Last updated: Mar. 12, 2013