Answer Book question
Check bank statements for premium debits, the phone and email for insurer messages, employer HR for group cover, and ask the family LIC agent. Insurers maintain unclaimed-policy lists searchable by name and date of birth. IRDAI's Bima Bharosa can also help locate policies. Many families discover a policy through a premium debit they did not understand.
Check bank statements for premium debits, the phone and email for insurer messages, employer HR for group cover, and ask the family LIC agent. Insurers maintain unclaimed-policy lists searchable by name and date of birth. IRDAI's Bima Bharosa can also help locate policies. Many families discover a policy through a premium debit they did not understand.
A ₹2,400 quarterly debit on the father's statement turns out to be a ₹10 lakh term policy nobody knew about.
Policies leave traces: premium payments, renewal notices, tax certificates. Follow the money.
Bank statements 3 years back Phone/email Employer HR Agent contacts Insurer unclaimed lists
Assuming the agent would have come forward. Agents retire and die too.
Ask the neighbourhood LIC agent. they usually remember.
One unexplained debit → ₹10 lakh claim.
None.
Scan statements for insurer names Call the insurer with PAN and DOB
How do we claim a life-insurance policy? How do I find forgotten bank deposits?
Family support
RBI guidance on deceased depositors' claims and UDGAM portal · SEBI/AMFI transmission procedures · IRDAI claim guidelines · Kerala Registration and Revenue Department procedures for legal heirship · Indian Succession Act / Hindu Succession Act as applicable Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Start with a Family Asset Inventory. Send us what you know so far. even a name and a bank. and we will help you work through every place worth checking. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Family › After a death · After a death 15
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.