FREQUENTLY ASKED QUESTIONS

Question – How do you find out if someone has a life insurance policy on you?

Answer:

You need to sign an application of consent in order to have a life insurance policy taken out on you.  If you did not sign an application, there is no way somebody has a life insurance policy on you, unless it is fraudulent.

Instances of fraudulent life insurance policies are extremely rare because most life insurance policies also require medical examinations before being issued.

In addition, insurances companies also like to make sure that the person buying the life insurance policy has an insurable interest in the insured person.  Examples of “insurable interest” are a wife who relies on her husband’s income or an employer who relies on work from his/her employee.  Unless there is insurable interest, it is rare that an insurance company would allow a policy to be issued.

With that being said, if you still believe there is a chance that somebody has a life insurance policy on you, you can run a search with the Medical Information Bureau (MIB) for $75.

28 Comments

  1. I believe that there is a fraudulent life insurance policy on me.

    1. If you believe this to be the case you should report it to your State insurance agency. You can also notify the company that issued the policy if you know which company it was.

      1. Steven William Delaney Jr

        Checking to see if someone has life insurance on me. I have never filed. If that helps

    2. How can you tell if someone took out a fraudulent life insurance policy on me without knowing how do I find that out. Thanks

  2. Never filed for life insurance. Want to see if someone else has

    1. I want to make sure that my husband didnt make one on myself my family has tried to make me comit to taking a over dose

  3. How do I find out if someone has insurance on me

  4. I NEED TO KNOW IF MY SISTER TRICK ME INTO SIGNING AN INSUARANCEPOLICY I NEED TO KNOW BEFORE SOMETHING HAPPEN TO ME BECAUSE SHE IS AN EVIL PERSON PLEASE HELP ME.WHAT CAN I DO

  5. I need to know for my own peace of mind

  6. I am legally blind and I thought these two people were my friends. But I discovered they were poisoning me. I can’t prove it but I believe some type of way they have insurance on me. I’m out of the situation but I still believe they have a policy on me. I need to know so I can terminate the policy.

    1. I feel that way to did u find out. If so how. I’d like to know. The same situation

  7. patrick wayne hudson

    I want to find out if someone has a insurance policy on me.

  8. I need to know

  9. How to find out if someone has a life insurance policy on me that i have knw ideal about

  10. Lorraine E. POWELL

    I think my husband has an insurance policy on me,I have no access to bank statements home owners insurance papers, etc

    1. Lorraine E. POWELL

      I need to find out if my husband of 25 years has a life insurance policy on me.

  11. Trying to see how do you see if your siblings have a life insurance policy out on your mother because they are evil people and trying to watch her die

  12. Think spouse has life insurance on me. Think he forged my name. No access to any records. How can I check to see if policies do exist?

  13. I believe my mom and family took out a fraud life insurance out on me

  14. Lorraine maestas

    When I became disabled my evil mother and two sisters tricked me to give verbal consent tock out three policies on me and have mistreadig me since to the point that I have severed my relationship with them I’m afraid of them how can I stop this abuse

    1. You should contact the authorities! And the insurance bureau in your state if the policy was taken out fraudulently.

  15. Strongly suspect a LI policy taken out on me (without my knowledge) by ex-wife, who I caught perpetrating several other identify theft schemes. It is potentially tragic that no national database exists for a living person to learn whether there is a policy on him/her. My state bureau said it can’t help unless I furnish actual proof of the fraud. WHAT?!?

    Contact NAIC and your state lawmakers to help right this glaring omission in consumer/citizen protection. Criminals in this realm, usually someone you know, are more common than the ‘articles’ on insurance sights would have you believe

  16. I believe my ex has a life insurance policy on me, need to find out. Please tell me how to go about it. Thank you Holly Chappell

    1. He may, and assuming it was taken out legally, he has a right to continue to own it. You can call the life insurance company, as the insured person you have a right to know.

  17. How do I find out if the adopted parents of my disabled daughter have life insurance on her? Thank you so much MM

    1. The truth is if they are the parents and legal guardians, you probably can not find out this information. Don’t assume that just because someone has life insurance on the life of another, that they are rooting for the death of that person. Life insurance provides important financial protection.

  18. I believe someone is using my identity for life insurance policy because my wallet was stolen and I overheard a conversation about some policies but can’t find out which one or ones.

  19. I believe someone is using my identity for life insurance policy because my wallet was stolen and I overheard a conversation about some policies but can’t find out which one or ones. I have never filed one for myself or anyone else.. never

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