Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Life Insurance Policy

There are a several ways to find out if someone has a life insurance policy on you, although none are completely foolproof.

First start by simply asking those you believe may have taken out a policy on you. If this is not an option or you are unsure whether the response was truthful or not, you may want to look at doing an online search for policies through a company that specializes in such searches.

If you are still trying to find the very best life insurance rates then be sure to enter your zip code in on this page for free insurance rates!

Searching for Life Insurance Policies

Surprisingly enough there are many policies in existence that people do not know about. If you are curious about whether or not someone has a life insurance policy on you, one of the easiest ways to find out is by using an online search tool. These tools cost approximately $25 to $75 and save you a lot of time and effort. You simply provide them with some basic information such as your full name, date of birth and place of birth and they contact all the major companies for you. The companies will then directly contact you if they have a policy on file for you.

There is also a group called MIB solutions that carries consumer files on everyone who applies for life insurance in the past 7 years. For a fee, they can conduct a search and find out if a policy was applied for within that time period in your name.

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A Question of Security

There are situations whereby a person takes out a life insurance policy on another with the intention of profiting from that policy. Such policies are fraudulent. Insurers take precautionary measures to attempt to prevent such types of policies from being taken out. A life insurance policy taken out on you requires your signature, unless you are under the age of 15 and your parents take out the policy on you. However, anyone taking out a policy with malicious intent is likely to not be held back by something like forging your signature.

Other guidelines that help to prevent others from taking out a policy on you include the fact that insurers establish that the person taking out the policy has an insurable interest in your life before issuing a policy. Most policies require a medical exam prior to issuance. In the case where there is no medical exam required, there is usually a phone call to verify that the provided information is correct prior to putting the policy in place.

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An Insurable Interest

If someone else has a valid insurable interest in you, there is a possibility that they can take out a life insurance policy on you. Some of the people who are typically thought to have an insurable interest in your life include your parents, who may take out policies on you when you are young that remain in place for your entire life. Others include anyone with whom you are married or have a child. Ex-spouses may often maintain a life insurance policy on the other person especially if they are dependent on that person for alimony or child support.

If you own a business with other people, the partners often carry insurance on one another in order to provide the funds to buy out your portion of the business from your survivors. This is especially important if your business is specialized and requires specific knowledge, education or training in order to be a part of it. If you have been working for the same employer for a while it is possible that he may have a life insurance policy on you without your knowledge. Until several years ago, it was possible to take out a life insurance policy on employees without their knowledge.

If you are in the market to take out a life insurance policy on yourself or someone else, you should start by shopping around. It is important to get a variety of quotes from different companies so you can compare and contrast the prices and policies available. In addition, you should take the time to learn about the different types of life insurance available so that you understand the product you are looking for and are not reliant on the advice of salespeople who may not have your best interests at heart.

Prior to taking out any life insurance policy, it is very important to check on the financial stability of the insurer. Life insurance policies are typically for long terms and you want to make sure that the company will still be in business and able to pay out claims to beneficiaries if death occurs during the term of the policy. Therefore, be sure to check with one of the independent insurance ratings companies like Moody’s or Standard & Poor’s in order to find out how an insurer is doing in terms of its financial stability and outlook for the future.

Get started now with a variety of life insurance quotes from top companies using our free online life insurance quote tool!