Free service helps Hawaiʻi residents recover nearly $6 million in life insurance this year

Every year, millions of dollars in life insurance benefits remain unclaimed. Sometimes, beneficiaries can’t find their deceased relatives’ policies or, in some cases, may not even know the policies exist.

In honor of Life Insurance Awareness Month, the Department of Commerce and Consumer Affairs Insurance Division is highlighting a free service that can help consumers find their deceased loved one’s life insurance policies and annuity contracts online.

The National Association of Insurance Commissioners created the Life Insurance Policy Locator to make the process easier for loved ones and beneficiaries. If a policy is found and the requester is a named beneficiary, the life insurance or annuity company will contact them directly.

“The loss of a loved one can create a heavy financial burden on families,” said Insurance Commissioner Scott Saiki. “But life insurance is meant to ease that burden. Using this tool can help ensure those benefits are rightfully received.”

Through the use of the Life Insurance Policy Locator, $5.7 million in benefits from more than 234 policies have been recovered and returned to Hawaiʻi residents in the first half of 2025.

To access the Life Insurance Policy Locator, visit the National Association of Insurance Commissioners website.

Consumers with questions about life insurance, or the Locator can contact the division at 808-586-2790. Other useful resources can be found on the Insurance Division website.