OLHI – OmbudService for Life & Health Insurance | Resolution of your Canadian Insurance Concerns | OLHI

Search for policy of a deceased

We are the only place in Canada that helps you search for a lost life insurance policy of a deceased.

(If you are trying to figure out which insurance company now holds your old policy, click here.)

Before we can search for a policy:

  1. You have to look for the policy yourself
  2. If you can’t find it, you must have evidence that a policy exists
  3. It must be less than two years and more than three months since the person’s death
  4. OLHI must find that it is reasonable for us to conduct a search

How to search for a policy or evidence that it exists:

  • Explore possible storage places, like safety deposit boxes or filing cabinets
  • Go through the deceased’s papers, checking for policies, statements or notices from an insurance company
  • Review banking records for any evidence of premium payments
  • Contact the deceased’s insurance agent (if known) and other advisors, like lawyers and accountants. Sometimes, policies are stored in their files
  • Contact the deceased’s employer, or former employer if the deceased was retired. The Human Resources Department would have information on group life insurance for active or retired employees
  • If the deceased was receiving group disability benefits, find out if there was any group life insurance included in the disability benefits
  • Contact any associations to which the deceased belonged. Many offer members life insurance. For example, lawyers, accountants, construction workers, teachers, government employees or engineers belong to associations
  • Check with credit card companies to see if the deceased purchased any life or travel insurance through the card
  • If the deceased passed away while traveling, check whether special insurance was purchased for the trip. Sometimes, travel insurance provides a death benefit

How OLHI’s search works:

  • We send a search request to all insurance companies that are OLHI members. Although 99% of all life and health insurance companies are members, any policy with a non-member will not be retrieved in our search. Also, a policy purchased outside of Canada will not be found because our member companies are Canadian only
  • Insurance companies will contact you only if a policy is found. Companies can only release information to the executor, lawyer, beneficiary or heir of the deceased
  • Group policies may not be found in a search. We encourage you to contact the deceased’s former employers and/or associations

Ready to request a policy search of a deceased?

Please answer the questions and fill out the form below.

Did the person die more than three months ago?

Did the person die within the last two years?

Sorry, your request does not meet our criteria. If you have any questions, please Contact us.

Have you conducted your own thorough search?

Sorry, your request does not meet our criteria. If you have any questions, please Contact us.

Is there a good reason to believe a policy exists?

Sorry, your request does not meet our criteria. If you have any questions, please Contact us.