• In some cases, it can take from one to two months
• Make sure you have completed all the documentation, including the original death certificate
• Once the claim is filed, the insurance company must verify all the information provided
• If you have questions or concerns about delays, contact the Connecticut Insurance Department at 860-297-3900 or email at insurance@ct.gov

Settling an estate can be overwhelming during a very emotional time. There are steps you can take to find that policy:

• One of the easiest ways is to use the Connecticut Insurance Department’s Life Insurance Policy Locator. Answer some basic questions and provide your contact information to trigger a nationwide search for the policy.
• You can also review bank statements and canceled checks for payments made to insurance companies.
• Review income tax statements for any interest paid by life insurers.
• Try to determine if the relative bought a policy through work, union or an association
• Contact the Connecticut Insurance Department at 860-297-3900 or email at insurance@ct.gov

A dividend returns part of the premium back to you. It can be used in various ways. You can:

• Take it in cash
• Let it continue to accumulate and increase the cash value of the policy
• Apply it to your premium
• Buy additional insurance

• Term life insurance covers you for a term of one or more years and pays a death benefit only if you die in that term. It generally offers the largest insurance protection for your premium dollar. Term life is there if you want protection for a specific need such as paying for a child’s college or to pay off a mortgage.
• Whole life, also known as permanent life insurance, universal life or variable universal life, provides long-term financial protection. These policies include a death benefit and, in some cases, cash savings as well.