10-02-2026, 02:08 AM
親人身故後找不到人壽保單：官方免費搜尋途徑
常青生活指南・非即時新聞。
懷疑已故親人曾買人壽保險，卻找不到保單時，加州保險局建議先仔細查閱其紀錄。例如，可尋找保單文件、過往僱主的團體保險資料，以及顯示繳付保費的銀行紀錄；亦可向其原有汽車或家居保險代理查問是否知道相關保單。
官方頁面連結 NAIC 的免費 Life Insurance Policy Locator。參與公司會搜尋自己的紀錄；只有找到相符保單，並確認查詢人是指定受益人或獲授權法律代表時，才會直接聯絡。因此，這不是一個公開列出所有人保單的資料庫，也不能把沒有即時回覆理解為一定沒有保障。
若已有保單但不知道公司聯絡方法，CDI 的公司資料查詢亦可協助找官方聯絡資訊。本文不判定誰可領取利益。原刊日期未標示；INL3 查閱：2026-10-01。文件照片為主題配圖，非真實遺產或保單。
English
Finding a deceased relative’s life policy: the official free search route
Evergreen practical guide, not breaking news.
If a deceased relative may have held life insurance, California’s Department of Insurance recommends first searching their records carefully. Useful leads can include policy papers, benefits from a former employer and banking records that show premium payments. Their existing home or auto insurance agent may also know whether a life policy was purchased.
The official page links to the NAIC’s free Life Insurance Policy Locator. Participating companies search their own records and contact the requester only when they find a policy and the requester is a designated beneficiary or authorized legal representative. It is not a public list of everybody’s insurance, and no immediate response should be treated as proof that no policy existed.
If a policy is found but the insurer’s contact details are unclear, CDI’s company information can help identify an official contact. This guide does not determine entitlement to benefits. No original date is stated. INL3 checked the source on October 1, 2026. The paperwork photograph is thematic, not an actual estate or policy.
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 主題配圖，並非本文機構、人員、校園或個案實景 / Context photograph, not the organization, staff, campus or case described. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
常青生活指南・非即時新聞。
懷疑已故親人曾買人壽保險，卻找不到保單時，加州保險局建議先仔細查閱其紀錄。例如，可尋找保單文件、過往僱主的團體保險資料，以及顯示繳付保費的銀行紀錄；亦可向其原有汽車或家居保險代理查問是否知道相關保單。
官方頁面連結 NAIC 的免費 Life Insurance Policy Locator。參與公司會搜尋自己的紀錄；只有找到相符保單，並確認查詢人是指定受益人或獲授權法律代表時，才會直接聯絡。因此，這不是一個公開列出所有人保單的資料庫，也不能把沒有即時回覆理解為一定沒有保障。
若已有保單但不知道公司聯絡方法，CDI 的公司資料查詢亦可協助找官方聯絡資訊。本文不判定誰可領取利益。原刊日期未標示；INL3 查閱：2026-10-01。文件照片為主題配圖，非真實遺產或保單。
English
Finding a deceased relative’s life policy: the official free search route
Evergreen practical guide, not breaking news.
If a deceased relative may have held life insurance, California’s Department of Insurance recommends first searching their records carefully. Useful leads can include policy papers, benefits from a former employer and banking records that show premium payments. Their existing home or auto insurance agent may also know whether a life policy was purchased.
The official page links to the NAIC’s free Life Insurance Policy Locator. Participating companies search their own records and contact the requester only when they find a policy and the requester is a designated beneficiary or authorized legal representative. It is not a public list of everybody’s insurance, and no immediate response should be treated as proof that no policy existed.
If a policy is found but the insurer’s contact details are unclear, CDI’s company information can help identify an official contact. This guide does not determine entitlement to benefits. No original date is stated. INL3 checked the source on October 1, 2026. The paperwork photograph is thematic, not an actual estate or policy.
Alena Darmel / Pexels · 主題配圖，並非本文機構、人員、校園或個案實景 / Context photograph, not the organization, staff, campus or case described. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.