While there is no “central agency” that keeps such records- if a relative dies and no one in the family knows if they had life insurance – here are some ways you may be able to find out.
Try to find canceled checks made out for life insurance premiums, or contact your deceased relative's bank for copies of old checks.
Go trough credit card statements. Your relative may have used credit cards to pay his or her life insurance premiums.
You can check with probate court records for details of your relative's estate. A life insurance policy could show up as an asset, if his or her estate had to go through probate.
Contact past employers to see if there may have been employee group life insurance.
Check with your relative's “other insurance” agents or companies such as auto or home insurance agents, they may have sold him or her a life insurance policy as well. An insurance agent may also be able to query the main office of the company to determine if there is a policy on file for your relative. They may not be at liberty to divulge the details to you if a life insurance policy is discovered, but you will know that the policy is there. Then you can make an official request to release the info pursuant to HIPAA regulations.
Disclaimer - The above description/explanation is intended as a guideline only,and is not to be interpreted as a recommendation to buy or sell any insurance products, or to provide legal or financial advice of any kind. Also, Bergen Insurance. Does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed. No reproduction or republication permitted.