Consumer Advisory: Life Insurance Policy Locator delivers $5.6M to Coloradans

Service finds lost life insurance policies and annuities.

DENVER (August 28, 2018) – Since it launched in November 2016, the Life Insurance Policy Locator has delivered $5,676,199 to 375 Colorado consumers.

The Life Insurance Policy Locator is a tool that was developed by the National Association of Insurance Commissioners (NAIC) after regulators across the country recognized that lost policies were a growing problem. In the Locator’s first year, it matched beneficiaries with lost or misplaced life insurance policies or annuities, leading to $92.5 million returned to people across the U.S.

Many of us have lost a loved one and have a vague memory of a life insurance policy being mentioned. Or as we help to sift through our parents’ or grandparents’ papers, we come across a listing of a policy or an annuity.  

“Lost policies and annuities are a surprisingly common problem,” said Jason Lapham, lead analyst with the health and life insurance section of the Consumer Services team of the Colorado Division of Insurance. “I think it's safe to say that we get several calls a week from consumers where we direct them to the policy locator service.”

“These people bought life insurance with the idea of looking after their loved ones,” said Interim Insurance Commissioner Michael Conway. “If the policy or the annuity goes missing, that plan goes unfulfilled. If you know, or even suspect, that there’s a policy out there that was your parent’s, grandparent’s, or someone else close to the family, I encourage you to log in and submit a request.”

Using the Life Insurance Policy Locator, consumer requests are encrypted and secured to maintain confidentiality. Participating insurers compare submitted requests with available policyholder information and report all matches to state insurance departments through the locator. Companies then contact beneficiaries or their authorized representatives. Insurance companies have 90 days to research inquiries.


The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA) regulates the insurance industry and assists consumers and other stakeholders with insurance issues.  Visit for more information or call 303-894-7499 / toll free 800-930-3745

DORA is dedicated to preserving the integrity of the marketplace and is committed to promoting a fair and competitive business environment in Colorado. Consumer protection is our mission. Visit for more information or call 303-894-7855 / toll free 1-800-886-7675

The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. For more information, visit

Media Contact:
Vincent Plymell
Division of Insurance 
p: 303-894-2261 | c: 303-910-9614