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Life Insurance Policy Locator

TDI can help you find a missing life insurance policy or annuity.

How it works

  1. Fill out the Consumer Request Form with basic information about the deceased person for whom you’re trying to find a life insurance policy or annuity contract.
  2. Each month, TDI will give the information from the request forms to the companies voluntarily participating in the service .
  3. The companies will search their records to determine whether they have life insurance policies or annuity contracts in the name of the deceased.
  4. The companies will contact you directly if they find a policy or contract and you’re authorized to receive the information.

Who can get information

To get information about a life insurance policy or annuity contract you must be

  • the legal representative of the deceased person’s estate
  • otherwise legally entitled to information about a policy (for example, the policy’s beneficiary).

How long it takes

In most cases, you should learn whether a participating company was able to locate a policy within 90 days of the date you submitted your request to us. If you don’t get a response from a company within 90 days of your request, it means that either the participating companies didn’t find a policy or annuity contract in the deceased’s name or you aren’t eligible to get this information.

What the companies look for

The companies will search only for policies or contracts that were in force at the time of the insured’s death. This means that the insured must have kept up premium payments, or that the policy had enough cash value to cover the cost of insurance after the payments stopped. Companies will also search for policies or contracts that, within 12 months before the date of death, were terminated, lapsed, surrendered, or transferred.

More tips for tracing missing or old life insurance policies

TDI has no way of knowing whether any person has life insurance and with which company. We can, however, offer some tips for continuing your search.

  • Examine your relative’s bank statements and check registers for payments to life insurance companies. Life insurers commonly require payment of premiums by bank drafts. These payments appear on monthly bank statements.
  • Look for insurance agents in your relative’s address book or personal phone directory. The agent who wrote your relative’s car, home or health insurance also may have sold him or her a life insurance policy.
  • Contact the employee benefits offices at your relative’s former employers. Sometimes people buy group life insurance at work.
  • Review your relative’s income tax records to see if he or she reported interest income on a cash value life insurance policy.

If a life insurance company knows that an insured has died but it cannot find the policy beneficiaries within three years, it must send the death benefit to the state Comptroller’s unclaimed property fund. The rightful owners of the life insurance proceeds can reclaim them from the Comptroller. For more information, go to the Comptroller’s unclaimed property Web site, www.cpa.state.tx.us/up/ .

Just be aware that for a life insurance policy to be valid, your relative had to keep it in force by paying the premiums. Some cash value policies become “paid up” after a person pays premiums for a specific number of years. However, people often cancel policies or let them lapse but keep the discontinued policies in their records.

If you find a life insurance policy for a deceased relative but can’t locate the company, you can get help from TDI by calling the Consumer Help Line at 1-800-252-3439. You can also use the Company Lookup feature on TDI’s Web site. Profiles of active companies include addresses and phone numbers. Profiles of inactive companies include histories that let you trace mergers, acquisitions and reinsurance agreements that transferred their policies to other companies.

For more information or assistance

If you have questions or need more information, please call our Consumer Help Line at 1-800-252-3439.

  • Top 40 Life Insurance Companies – Based on Texas written premium with percentage of market share
  • Top 40 Annuity Insurance Companies – Based on Texas written premium with percentage of market share

Complaints

  • Insurance Complaints Resource Page – Use for reporting complaints against insurance companies or agents. Also search TDI s Internet Complaint Information System (ICIS) by summary complaint information by quarter, region complaint information by quarter, or line of insurance.

Related Web Links

  • Consumer Federation of America – For a fee, CFA will analyze the return rate on a cash value life policy.

For more information, contact:

Last updated: 04/06/2016

Contact Information and Other Helpful Links


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10 Things You Should Know About Buying Long-Term Care Insurance

Long-Term Care is Different From Traditional Medical Care
Someone with a prolonged physical illness, a disability or a cognitive impairment such as Alzheimer s disease often needs long-term care. Long-term care services may include help with daily activities, home health care, respite care, hospice care, adult day care, care in a nursing home or care in an assisted living facility.

Long-Term Care Can be Expensive
The cost depends on the amount and type of care you need and where you get it. In 2001, the national average cost of nursing home care was $56,000 per year, assisted living facilities reported $22,476 per year and home care costs ranged from $12,000 to $16,000 per year.

You Have Options When Paying for Long-Term Care
People pay for long-term care in a variety of ways. These include using personal resources, long-term care insurance and Medicaid for those who qualify. Medicare, Medicare supplement insurance and health insurance you may have at work usually will not pay for long-term care. Long-term care insurance will pay for some or all of your long-term care.

Decide Whether Long-Term Care Insurance is for You
Whether you should buy a long-term care insurance policy will depend on your age, health status overall retirement goals, income and assets. For instance, if your only source of income is a Social Security benefit or Supplemental Security Income (SSI), you probably should not buy long-term care insurance since you may not be able to afford the premium. On the other hand, if you have a large amount of assets but do not want to use them to pay for long-term care, you may want to buy a long-term care insurance policy. Many people buy a policy because they want to stay independent of government aid or the help of family. They don t want to burden anyone with having to care for them. However, you should not buy a policy if you can t afford the premium or are not sure you can pay the premium for the rest of your life.

Pre-Existing Condition Limitations
A long-term care insurance policy usually defines a pre-existing condition as one for which you received medical advice or treatment or had symptoms within a certain period before you applied for the policy. Some companies look further back in time than others. Many companies will sell a policy to someone with a pre-existing condition. However, the company may not pay benefits for long-term care related to that condition for a period after the policy goes into effect, usually six months. Some companies have longer pre-existing condition periods or none at all.

Know Where to Look for Long-Term Care Insurance
Long-term care insurance is available to you in several different forms. You can buy an individual policy from a private insurance company or agent, or you can buy coverage under a group policy through an employer or association membership. The federal government and several state governments offer long-term care insurance coverage to their employees, retirees and their families. You can also get long-term care benefits through a life insurance policy. Some states have long-term care insurance programs designed to help people with the financial impact of spending down to meet Medicaid eligibility standards. Check with your state insurance department or counseling program to see if these policies are available in your state.

Check With Several Companies and Agents
Contact several companies and agents before you buy a long-term care policy. Be sure to compare benefits, the types of facilities covered, limits on your coverage, what is not covered and the premium. Policies from different insurance companies often have the same coverage and benefits but may not cost the same. Be sure to ask companies about their rate increase history and whether they have increased the rates on the long-term care insurance policies.

Don t be Misled by Advertising
Most celebrity endorsers are professional actors paid to advertise, not insurance experts. It is also important to note that Medicare does not endorse or sell long-term care insurance policies, so be wary of advertising that suggests Medicare is involved. Do not trust cards you get in the mail that look like official government documents until you check with the government agency identified on the card.

Make Sure the Insurance Company is Reputable
To help you find out if an insurance company is reliable, you can take the following actions: Stop before you sign anything, call your state insurance department and confirm that the insurance company is licensed to do business in your state. After you make sure they are licensed, check the financial stability of the company by checking their ratings. You can get ratings from some insurer rating services for free at most public libraries.

Review Your Contract Carefully
When you purchase long-term care insurance, your company should send you a policy. You should read the policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department or insurance counseling program.

1990 – 2008 National Association of Insurance Commissioners. All rights reserved.
SM Insure U and Stop. Call. Confirm are registered service marks of the National Association of Insurance Commissioners.


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When you’re searching for a new car, Edmunds.com is a valuable resource for information to help in the decision-making process. To give you a well-rounded picture of the cars on the market, Edmunds offers the viewpoints of both our editors and real-world car owners like you. Observations and insights from actual vehicle owners, who are uniquely qualified to provide their own ratings and reviews, complement the breadth and regimentation of our editorial coverage of the cars.

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In Edmunds.com’s Consumer Ratings and Reviews, owners are invited to write and submit reviews of their recently purchased vehicles and provide satisfaction ratings in eight important categories. Once a year we tally the results from these ratings to see which cars and trucks most satisfied our visitors. The 2011 Edmunds.com Consumers’ Top Rated Awards features 21 categories, covering the automotive gamut from Coupe Under $25,000 to Large Truck.

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The 5 Best And Worst Car Insurance Companies As Rated By Consumers

Home > Featured Articles > The 5 Best And Worst Car Insurance Companies As Rated By Consumers

Car Insurance Companies: From Best to Worst

Every year, J.D. Power and Associates ranks consumer satisfaction across a variety of industries and services using information gathered through surveys, and one of their areas of expertise is the automotive world.

Their list is acclaimed for its accuracy and respectability.

They recently released their annual ratings of auto insurance providers determined by customer satisfaction.

If you re with one of the companies that topped the list, congratulations; if you re with one that s lower down, it might be time to get a car insurance rate quote .

Take a look and see where you wind up:

The Best Auto Insurance Companies (2014)

The Worst Auto Insurance Companies (2014)

  1. Travelers
  2. Safeco
  3. Progressive
  4. Mercury
  5. Farmers Insurance Co.

These were the results from 2010 when this article was originally written.

The Best Rated Car Insurance Companies (2010)

Here are the top five car insurance companies, from best to worst:

1. Amica Mutual: In every category measured contacting the insurer, policy offerings, billing and payment, and pricing Amica Mutual earned a perfect score from consumers, placing it atop the list. This is the 10th year in a row that Amica Mutual has topped the Power list. (There s something to note, though: USAA and New Jersey Manufacturers Insurance Co. also earned perfect scores in every category, but they aren t included in the list because of their exclusivity: USAA is only available to military personnel and their families, while NJM is only open to New Jersey Business Industry Association members and a few other select local categories.)

2. State Farm: State Farm came in a close second, with perfect scores in contacting the insurer and solid returns in the policy offerings and billing areas.

3. Shelter: Another big contender, Shelter wowed consumers with its prices but faltered a bit in the billing and payment aspect.

4. Auto-Owners: This was another close call, as Auto-Owners matched State Farm, Shelter, and Erie for overall satisfaction. However, their policy offerings were the least popular among the top five.

5. Erie Insurance: A great company with much-loved billing and payment plans.

The Worst Rated Car Insurance Companies (2010)

Here are the bottom five car insurance companies, from bad to worst:

1. Travelers: Every company in the bottom five scored a two (out of possible five) in overall customer satisfaction. The only thing that gave Travelers an edge was its higher marks in the area of contacting the insurer.

2. Commerce: Commerce almost tied with Travelers, earning similar scores across the board but still leaving its customers less satisfied.

3. 21st Century: Despite an uptick in pricing satisfaction compared with the others, 21st Century left its customers mostly unhappy.

4. GMAC: GMAC earned a two (out of five) in every category, sending it almost all the way to the bottom thanks to customers complaints of sub-par service.

5. AIG: The worst of the bunch. AIG earned low marks in every area, with customers voicing their displeasure about every aspect of the company.

So what does all that mean? Well, it s important to remember that customer satisfaction is a helpful way to gauge the quality of an insurance company, but the rankings leave out something important: price. You might be able to find a lower cost auto insurance policy with your current company than with one of those at the top of the list. And if cost is your ultimate decider, then that will guide your decision. However, the intangibles that lead to customer satisfaction  kindness, responsiveness, willingness to go the extra mile for the consumer have a way of balancing out pure price, or at least putting it in perspective. When you shop around for quotes, use this list as a guide and try to find the most affordable insurance at the most-loved company. You might wind up paying a higher premium than you would elsewhere, but the gains in customer satisfaction and peace of mind will be worth it.

Now that you ve seen the best and worst, it might be time to get a car insurance quote to see if you are paying too much.