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Insurance Claims

What if there are multiple life insurance policies?

Short answer

Claim each one separately. Each insurer has their own process and paperwork. Start with the largest policy. Use the NAIC Life Insurance Policy Locator if you are not sure all policies are accounted for.

What this usually means

Claim each one separately. Each insurer has their own process and paperwork. Start with the largest policy. Use the NAIC Life Insurance Policy Locator if you are not sure all policies are accounted for.

What to do next

Related questions

Official starting points

Rules and procedures can change. These official sources are the starting points used to review this topic.

Last reviewed: July 27, 2026 · California guidance unless noted otherwise

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