[WSBAPT] Decedent's Missing/Unknown Life Insurance Policy

[Katie Smith Patel]

Use the Washington Insurance Commissioner’s life insurance policy finder, which you can find at this link:  https://www.insurance.wa.gov/online-services

If the state where the policy was issued may have been elsewhere, most states have a similar service through the state insurance regulator.  The insurance commissioner blasts out to all the life insurers licensed in the state and they are all required to respond on the existence of an active policy.

Katie Patel
Paraclete Estate Planning, LLC
(541) 499-9085 (direct)
112 Genessee Street
Medford, OR 97504



From: wsbapt-bounces at lists.wsbarppt.com <wsbapt-bounces at lists.wsbarppt.com> On Behalf Of Laird, Katherine
Sent: Wednesday, June 18, 2025 1:19 PM
To: WSBA Probate & Trust Listserv <wsbapt at lists.wsbarppt.com>
Subject: Re: [WSBAPT] Decedent's Missing/Unknown Life Insurance Policy

I would suggest looking at a checkbook register or online bank records for a few years back to see if there was an annual premium paid to an insurer over several years. If the mother is older, she may have written checks. 😉
Good luck,
k



KATHERINE K. LAIRD
O: 206.757.8892 | M: 206.915.0109
katherinelaird at centurypacificlp.com<mailto:katherinelaird at centurypacificlp.com>


From: wsbapt-bounces at lists.wsbarppt.com<mailto:wsbapt-bounces at lists.wsbarppt.com> <wsbapt-bounces at lists.wsbarppt.com<mailto:wsbapt-bounces at lists.wsbarppt.com>> On Behalf Of James Dolan
Sent: Wednesday, June 18, 2025 11:50 AM
To: WSBA Probate & Trust Listserv <wsbapt at lists.wsbarppt.com<mailto:wsbapt at lists.wsbarppt.com>>
Subject: [WSBAPT] Decedent's Missing/Unknown Life Insurance Policy

[EXTERNAL]
________________________________
This is a long shot.

Mother passed away.  Daughter recalls mother telling daughter that she had a life insurance policy naming her children (daughter and her sibling brother) as beneficiaries.  When daughter asks mother’s husband (unpleasant step-father) if he is aware of any such policy, he says no.

Has anyone ever dealt with a situation such as this?  Not sure if mother ever did have a policy, or if she perhaps cashed it out, or if she perhaps changed the beneficiaries (from her kids to her second husband, for example).

Is there a way to locate a policy (assuming it does exist) without calling every possible life insurance company?

Thanks,

Jim Dolan

=========================

Jones Butler Dolan, PS
P.O. Box 458
10027 SR 532
Stanwood, WA 98292
(tel) 360-336-2939
(fax) 360-336-2949

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