The Insurance Division of the Tennessee Department of Commerce and Insurance provides a Lost Policy Service to Tennessee residents and their families, or individuals affected by a policy issued in Tennessee, to help them identify individual/group life insurance policies or annuity contracts of a deceased policyholder.
On the same Life Insurance and Annuities Information page, TDCI explains that a Life Insurance Policy Locator request may be submitted with the NAIC by a person who believes they are a beneficiary of a policy issued in Tennessee, or by an executor or legally authorized representative of a deceased individual who may have lived in Tennessee when a policy was issued or an annuity was purchased. The page also links a Consumer Guide for Life Insurance and a Consumer Guide for Deferred Annuities.
Those tools help families document whether a life or annuity contract exists. They do not replace a personal lines review of homeowners, condo, flood, or auto coverage after a move or a claim.
Seasons change. So should your coverage. For a free personal policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group — informational only; no coverage or eligibility promise.
| TDCI resource | What the page says |
|---|---|
| Lost Policy Service | Helps identify individual/group life insurance policies or annuity contracts of a deceased policyholder |
| Life Insurance Policy Locator | NAIC request path for beneficiaries or authorized representatives tied to Tennessee-issued policies |
| Consumer guides | Consumer Guide for Life Insurance and Consumer Guide for Deferred Annuities (external PDFs) |
What is TDCI’s Lost Policy Service?
The Insurance Division of the Tennessee Department of Commerce and Insurance provides a Lost Policy Service to Tennessee residents and their families, or individuals affected by a policy issued in Tennessee, to help them identify individual/group life insurance policies or annuity contracts of a deceased policyholder.
Who can submit a life-policy locator request with the NAIC?
TDCI’s Life Insurance Policy Locator section states a request may be submitted with the NAIC by an individual who believes they are a beneficiary of a policy issued in Tennessee, or by an executor or legally authorized representative of a deceased individual who may have lived in Tennessee when a policy was issued or an annuity was purchased.
Is the Lost Policy Service the same as shopping for a new life policy?
No. The service helps identify existing individual/group life insurance policies or annuity contracts of a deceased policyholder. It is not a new-policy application and not a coverage promise.
What consumer guides does TDCI link on the same page?
The Life Insurance and Annuities Information page links a Consumer Guide for Life Insurance and a Consumer Guide for Deferred Annuities as external PDFs.
Where does the NAIC send locator search information?
TDCI states the information submitted with the Division and/or the NAIC will be distributed to all licensed life insurance companies.
Does finding a policy through a locator change my homeowners or auto coverage?
No. Life and annuity locator tools are separate from property and casualty policies. Ask a licensed producer if you need a personal lines review after estate paperwork settles.
How does this relate to Life Insurance Awareness Month messaging?
TDCI’s consumer life page is a year-round resource for lost-policy help and consumer guides. Awareness-month tips about beneficiaries are complementary — this article focuses on the Lost Policy Service wording on the life-info page.
How can All Seasons help families sorting life and personal policies?
Call 865-263-1400 or use asigtn.com/get-a-quote/ for a free personal policy review of homeowners, auto, or umbrella coverage while you use TDCI’s life resources for lost-policy questions.
Source links
- TDCI Life Insurance and Annuities Information — Lost Policy Service
- TDCI Insurance Activities Monthly Update (as of August 31, 2026)
- Get a Quote — All Seasons Insurance Group
More from All Seasons Insurance Group
Related Insurance Tips:
- TDCI says the NAIC life-policy locator found $107.8 million for Tennesseans in 2025.
- TDCI’s Life Insurance Awareness Month tips tell Tennesseans to check beneficiaries and use the NAIC locator.
- How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
- TDCI explains Actual Cash Value versus Replacement Cost for Tennessee homeowners.
