State Life Insurance Policy Finder Directory (2026)
Use this state life insurance policy finder directory to find regulator names, review dates, and policy search options after a death.
April 20, 2026
State life insurance policy finders can help you identify the right state insurance regulator and understand where unpaid benefits may later appear, but state regulators do not hold life insurance proceeds. To find a policy after someone dies, families usually need to search carrier records, employer group plans, government programs, and unclaimed property sources.
This directory gathers the state regulator context from Sunset's 50-state policy finder work and explains how to use it with a life insurance search. It is informational only and is not legal advice.
What this directory is for
After a death, families often know that life insurance may exist, but not where to look. A parent may have changed jobs, bought a policy decades ago, named a beneficiary on an old address, or left no paperwork at all.
This directory helps with two tasks:
- Identify the official state insurance agency connected to a state.
- Start a broader policy search through Sunset's life insurance workflow.
State insurance regulators oversee insurer conduct. They can be a helpful reference point if you are trying to understand which agency handles insurance matters in a state. They do not, however, hold policy proceeds for a family.
If benefits go unpaid long enough, they may escheat to the state's unclaimed property office. That is a different process from an insurer paying a named beneficiary directly.
For a deeper look at the claims process after a policy is found, see Sunset's guide on how to claim life insurance after a death. If you are still at the discovery stage, this directory can help you start in the right place.
Current Sunset directory coverage
The directory's live coverage is 15/50 state mini-hubs live. The last review date for these live hubs is 2025-10-09.
Newly expanded mini-hubs are live for:
- California, live mini-hub, last reviewed 2025-10-09
- Florida, live mini-hub, last reviewed 2025-10-09
- New Jersey, live mini-hub, last reviewed 2025-10-09
- Ohio, live mini-hub, last reviewed 2025-10-09
- Georgia, live mini-hub, last reviewed 2025-10-09
- North Carolina, live mini-hub, last reviewed 2025-10-09
- Michigan, live mini-hub, last reviewed 2025-10-09
These priority state pages are tied into Sunset's life insurance search and claims workflow. Directory statuses will be reconciled as new hubs go live, so rely on the priority table and the Life Insurance Search link for the most current coverage.
The live hub last-review dates are:
- California: 2025-10-09
- Texas: 2025-10-09
- Florida: 2025-10-09
- New York: 2025-10-09
- Pennsylvania: 2025-10-09
- Illinois: 2025-10-09
- Ohio: 2025-10-09
- Georgia: 2025-10-09
- North Carolina: 2025-10-09
- Michigan: 2025-10-09
- New Jersey: 2025-10-09
- Virginia: 2025-10-09
- Washington: 2025-10-09
- Arizona: 2025-10-09
- Massachusetts: 2025-10-09
Priority state mini-hubs and regulator names
Each entry below lists the official insurance regulator name, the last updated date for the mini-hub, and the available quick action. Official regulator names were verified via agency sites.
| State | Official DOI/Regulator Name | Last updated | Quick actions |
|---|---|---|---|
| Texas | Texas Department of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| New York | New York State Department of Financial Services | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| California | California Department of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Florida | Florida Office of Insurance Regulation | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Illinois | Illinois Department of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Pennsylvania | Pennsylvania Insurance Department | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Ohio | Ohio Department of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Michigan | Michigan Department of Insurance and Financial Services | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Georgia | Georgia Office of Commissioner of Insurance and Safety Fire | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| North Carolina | North Carolina Department of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| New Jersey | New Jersey Department of Banking and Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Virginia | Virginia SCC Bureau of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Washington | Washington State Office of the Insurance Commissioner | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Massachusetts | Massachusetts Division of Insurance | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
| Arizona | Arizona Department of Insurance and Financial Institutions | 2025-10-09 | Find policies with Sunset, Unclaimed Property Guide (coming soon) |
All 50 states index
The all-state index below shows the expansion list from the directory. "Live" means the state mini-hub is active in the table above. Other states are queued for expansion.
- Alabama: mini-hub coming soon
- Alaska: mini-hub coming soon
- Arizona: mini-hub coming soon
- Arkansas: mini-hub coming soon
- California: LIVE, see table above
- Colorado: mini-hub coming soon
- Connecticut: mini-hub coming soon
- Delaware: mini-hub coming soon
- Florida: LIVE, see table above
- Georgia: mini-hub coming soon
- Hawaii: mini-hub coming soon
- Idaho: mini-hub coming soon
- Illinois: LIVE, see table above
- Indiana: mini-hub coming soon
- Iowa: mini-hub coming soon
- Kansas: mini-hub coming soon
- Kentucky: mini-hub coming soon
- Louisiana: mini-hub coming soon
- Maine: mini-hub coming soon
- Maryland: mini-hub coming soon
- Massachusetts: mini-hub coming soon
- Michigan: mini-hub coming soon
- Minnesota: mini-hub coming soon
- Mississippi: mini-hub coming soon
- Missouri: mini-hub coming soon
- Montana: mini-hub coming soon
- Nebraska: mini-hub coming soon
- Nevada: mini-hub coming soon
- New Hampshire: mini-hub coming soon
- New Jersey: mini-hub coming soon
- New Mexico: mini-hub coming soon
- New York: LIVE, see table above
- North Carolina: mini-hub coming soon
- North Dakota: mini-hub coming soon
- Ohio: mini-hub coming soon
- Oklahoma: mini-hub coming soon
- Oregon: mini-hub coming soon
- Pennsylvania: mini-hub coming soon
- Rhode Island: mini-hub coming soon
- South Carolina: mini-hub coming soon
- South Dakota: mini-hub coming soon
- Tennessee: mini-hub coming soon
- Texas: LIVE, see table above
- Utah: mini-hub coming soon
- Vermont: mini-hub coming soon
- Virginia: mini-hub coming soon
- Washington: mini-hub coming soon
- West Virginia: mini-hub coming soon
- Wisconsin: mini-hub coming soon
- Wyoming: mini-hub coming soon
The directory was last reviewed on 2025-10-09. Sunset adds state mini-hubs continuously, with priority based on population and inbound request volume. To request prioritization for your state, begin a search through the Life Insurance page and note your state.
How the NAIC Life Insurance Policy Locator works
Many families hear about the NAIC Life Insurance Policy Locator and assume it is a searchable database. It is not.
Here is how it works. You submit a request with the decedent's information. NAIC forwards that death information to participating insurance carriers. It is a notification to carriers, not a database you can search.
Each carrier then checks its own records. If a carrier finds a matching policy, the carrier contacts the listed beneficiary directly, at the address that carrier has on file for that beneficiary.
NAIC never tells the person who submitted the request whether a match was found. There is no match or no-match answer, no results page, and no confirmation either way.
That matters. Hearing nothing does not mean there was no policy. If the requester is not the listed beneficiary, the beneficiary address on file is out of date, or the beneficiary has moved or died, the notice can go nowhere and the requester never learns a policy existed.
This is one reason families often use more than one search method. Sunset tells the family where a policy was found and helps them claim it, instead of leaving them waiting on a notice that may never arrive.
How Sunset's life insurance search fits in
Sunset's Life Insurance Search is built for families trying to settle an estate after a death. It helps search for life insurance and other assets, then helps with the next steps if a policy or account is found.
Sunset searches 2,300+ financial institutions to find accounts and assets. For life insurance, Sunset's workflow can search major carriers, employer group plans, government programs, and unclaimed property as part of the process.
Unlike a regulator reference page, Sunset can help carry the work forward after discovery. That may include claim filing and follow-up when you direct Sunset to do so. Insurers often verify a life-policy match in 2 to 3 business days after documentation is submitted.
Typical documentation may include a death certificate and your executor or personal representative authority. Sunset prompts families for what is required, supports electronic disclosures and signatures with e-consent, and uses identity verification and anti-fraud protections. Sunset also maintains SOC 2 Type II controls.
If you are gathering the rest of the estate picture, Sunset's guide to the best estate asset discovery tools explains how families can search beyond insurance policies.
What to do before starting a policy search
Before starting, collect what you can. You do not need every document to begin, but the more details you have, the easier it is to connect records.
Helpful items often include:
- The death certificate, or information needed to order one
- The decedent's full legal name
- Prior names, maiden names, or nicknames used on financial records
- Date of birth and date of death
- Last known address and prior addresses
- Social Security number, if available
- Employer names, union names, or military service details
- Existing policy statements, premium notices, or bank records showing premium payments
- Executor or personal representative paperwork, if already issued
Also check the decedent's mail, email, bank statements, and tax files. Life insurance clues often appear as small recurring premiums, old employer benefit packets, or annual statements.
If you are not sure who can claim the money, read Sunset's guide to life insurance beneficiary rules. Beneficiary rules can affect whether proceeds go directly to a named person or become part of the estate.
Why asset discovery should come before distributions
Life insurance is only one part of the settlement of an estate. Families may also need to find bank accounts, brokerage accounts, retirement accounts, unclaimed property, real estate, vehicles, business interests, and debts.
Distributing money too early can create problems if another account is found later or if a valid debt needs to be paid. For executors and personal representatives, it is usually safer to build an inventory first, then pay approved expenses and distribute what remains according to the will, beneficiary designations, or state law.
Sunset's estate tools are designed around that assets-and-liabilities-first framing. The goal is to understand what exists before making final transfers.
Sunset can also generate state- and county-specific probate packets. If counsel is needed, Sunset refers families to a local probate attorney. This can be useful when an estate includes court filings, real estate, a dispute, or unclear authority to act.
Costs, estate account, and transfers
Sunset's family product is funded through our bank partnership. The estate does not pay Sunset, and all assets go to the beneficiaries and heirs.
When an estate account is needed, Sunset can help set up an FDIC-insured estate account. An estate account can be used to receive estate funds, pay approved estate expenses, consolidate money, and distribute funds at your direction.
Sunset can also help close and transfer accounts as part of the broader estate settlement. The exact steps depend on the asset type, the institution, the beneficiary designation, and whether probate authority is required.
Sunset has helped 15,000+ families settle estates. For the full process, see Sunset's How it works page: https://www.hellosunset.com/how-it-works
When a state regulator or unclaimed property office may matter
A state insurance regulator can help you understand the official agency tied to insurer oversight in a state. If there is a concern about insurer conduct, the state regulator may be the agency families look to for that state.
Unclaimed property offices matter when unpaid benefits or other assets have already been turned over to the state. This can happen after an account or benefit remains unclaimed for a period set by state rules.
Those are not the same as a carrier paying a named beneficiary after a current claim. A policy can also be active with an insurer and never appear as unclaimed property if it has not escheated.
That is why a complete search often includes several paths:
- Direct policy search through carriers and related data sources
- Employer group plan review
- Government program review
- State regulator context
- Unclaimed property checks
- Estate document review
No single public list catches every policy. The family may need to pair document review with a broader search.
FAQ
Is Sunset's life insurance search free for families?
Yes. Sunset's family product is funded through our bank partnership. The estate does not pay Sunset, and all assets go to the beneficiaries and heirs.
Do state insurance departments hold life insurance proceeds?
No. State insurance regulators oversee insurer conduct, but they do not hold policy proceeds for families. If benefits go unpaid long enough, they may escheat to a state's unclaimed property office.
Does the NAIC locator tell me if a policy was found?
No. NAIC forwards death information to participating insurance carriers. Each carrier checks its own records. If a carrier finds a matching policy, the carrier contacts the listed beneficiary directly at the address on file with that carrier. NAIC does not give the requester a match or no-match answer.
How fast can a life insurance match be confirmed?
Discovery can be rapid. Insurers often verify a life-policy match in 2 to 3 business days after documentation is submitted.
What if a lawyer is needed during the estate process?
Sunset can generate state- and county-specific probate packets. When counsel is needed, Sunset refers families to a local probate attorney.
If you are trying to find a life insurance policy after a death, Sunset can help search for policies and other assets, prepare probate paperwork when needed, and support the claim process from discovery through transfer.