Individual & Group Policies
Term, whole, and universal life policies, plus employer group coverage the family may never have seen.
Life Insurance
Surface Life Insurance Policies,
and the Benefits Owed
Heirloom searches the national insurer database and state registries to match a decedent to life insurance policies and death benefits, then confirms them in your estate inventory.
NAIC
National insurer database searched for matching policies
50 States
Unclaimed death benefit registries searched nationwide
The Coverage Picture
Policies Go Unclaimed More Often Than You Think
Families often don't know a policy exists, and carriers don't always know a policyholder has died. Heirloom searches the NAIC database and state registries to match the decedent to policies and benefits owed.
NAIC Policy Locator
Searches the national insurance database to match a decedent to in-force and paid-up policies across carriers.
Beneficiary Designations
Who each policy names, and whether proceeds pass directly to heirs outside the estate or fall into it.
Lapsed & Paid-Up Policies
Older policies that were fully paid or lapsed but may still carry cash value or a death benefit.
Annuities & Riders
Annuity contracts and policy riders that carry their own benefits and beneficiary rules.
Unclaimed Death Benefits
Benefits already reported to state unclaimed property programs that heirs are owed.
Heirloom is exactly what I needed. A one-stop shop. Especially in the midst of grief, these tools are a lifesaver.
Kriss, Estate Executor
How It Works
From a Name to a More Thorough Policy Inventory
Step 1
Enter the Basics
Your staff spends a few minutes entering the decedent's name and identifiers into a secure dashboard. No document hunting to get started.
Step 2
Match Policies to the Decedent
Life insurance typically surfaces within the first couple weeks as Heirloom searches the NAIC database and carrier records to match policies and benefits.
Life insurance is only the start. The same intake can also surface real estate, retirement plans, bank and investment accounts, business holdings, unclaimed property, and other liabilities, feeding one shared estate inventory.
FAQs
Maximize Every Caseload
Launch a turnkey estate inventory service line that captures new revenue with zero added headcount.
Schedule a demo