Policy Locate, from MedaSynq
Find out if there was a life insurance policy.
For families who do not know whether there was a policy, or which company it was with. If coverage is found, Claim Assist can help prepare and file the claim. The insurer decides whether it pays.
From $59. Paid once, before we start. A certified death certificate is required.
Their full Social Security number is required to complete the intake and pay for a search. You can save your progress and finish later.
What you get
An answer, and a claim filed if there is one
A clear answer
You stop wondering. We search the places you choose and tell you what we found.
If there was a policy, we file it
Claim Assist, our claims company, files the claim for you. Its fee is 20% of that payout, and only when the insurer pays.
If nothing is found, you get a written result
You get a written result you can keep, or share with the estate. The search fee is not refunded.
The three searches
Choose one, two or all three
Any one search $59, any two $79, all three $99.
Individual insurers
Life insurance companies that sell policies to people directly.
Employer and union group plans
Coverage through a job, a union, or a federal civilian job.
Military and federal programs
Coverage from military service. Offered when they served, or you are not sure.
Good to know
- A certified death certificate is required. Their full Social Security number is required to complete the intake and pay for a search.
- Immediate family or the person handling the estate can request a search. You do not need to be a named beneficiary.
- Timing depends on insurer responses. We cannot promise a policy exists.
Pricing
One price for the search, set before we start
Pick one, two or all three searches. The price depends on how many you choose, never on what we find.
Any one search
$59
The one search you think is most likely.
Any two searches
$79
Any two of the three searches.
All three searches
$99
Individual insurers, employer and union group plans, and military and federal programs.
Paid once, before we start. Not refunded if nothing is found.
Charged by MedaSynq Technologies Inc.
If a policy is found
20% of that payout
Claim Assist files the claim for you. The fee comes out of the payout, and only when the insurer pays.
If nothing is found
A written result
You receive the results of the searches you selected. The search fee is not refunded.
Side by side
Policy Locate or Claim Assist?
Search for life insurance after a death, or get help with a claim when you already know the insurer. Choose the service for your situation.
| Question | Policy Locate | Claim Assist |
|---|---|---|
| When to use it | Policy LocateSomeone has died and you do not know who insured them, or whether they had life insurance. | Claim AssistYou know the insurer, even if you do not have the policy number or paperwork. Get help filing, with a stalled claim, or with an administrative appeal of a denial. |
| Upfront cost | Policy Locate$59 for one search, $79 for two, $99 for all three. Paid once, before we start. Not refunded if nothing is found. | Claim Assist$0 upfront for filing, stalled-claim help and administrative appeals. |
| Coverage | Policy LocateIndividual insurers, employer and union group plans, and military and federal programs. You choose which. The military search is offered when they served, or you are not sure. | Claim AssistThe insurer or coverage you already know about. If you also want to look for other policies, Policy Locate is a separate paid search. |
| What you receive | Policy LocateA written result, whether or not a policy is found. Timing depends on insurer responses. We cannot promise a policy exists. | Claim AssistHelp preparing and filing your claim, authorized help with a stalled claim, or an administrative appeal. A payout is not guaranteed. |
| Who can request | Policy LocateImmediate family or the person handling the estate can request a search. You do not need to be a named beneficiary. | Claim AssistThe beneficiary or an authorized representative handling the claim. |
| Claim service fee | Policy LocateIf coverage is found, Claim Assist can help file. Its separate fee is 20% of that payout, only when the insurer pays. | Claim AssistFiling and stalled-claim help: 10% only after payout. Administrative appeals: 20% only after an appeal payout. |
Already know the insurer? Get help with your claim
Common questions
Questions families ask before a search
$59 for one search, $79 for two, $99 for all three, charged by MedaSynq Technologies Inc. It is paid once, before we start, and is not refunded if nothing is found. That is a separate charge from any claim: if a policy is found, Claim Assist files it, and Claim Assist's fee is 20% of that payout, only when the insurer pays.
Timing depends on insurer responses. Insurers set their own timelines.
No, and nobody honestly can. Either way, you get a written result.
Yes, when you choose the employer and union group plans search. Group life through a job is one of the most common policies families never hear about.
We offer the military and federal programs search when the person served, or when you are not sure. If they never served, we will not offer it; paying for a search that cannot find anything helps no one.
A lapsed policy usually does not pay a death benefit, but it is still worth asking. Some policies keep partial value even after a missed payment, for example a short grace period, a smaller paid-up benefit, or coverage that continues for a limited time. If an insurer confirms a policy existed, we ask what, if anything, is still payable, and that answer goes in your report.
You get a written result. The search fee is not refunded.
Immediate family or the person handling the estate can request a search. You do not need to be a named beneficiary. If a policy is found, the insurer pays whoever the policy names.
Their full Social Security number is required to complete the intake and pay for a search. If you do not have it yet, you can save your progress and finish later.
Only the places in the searches you choose, and only after you sign the authorization.
Find out if there was a policy
It takes about ten minutes to start. You will need a certified death certificate.
From $59, paid once before we start. If a policy is found, Claim Assist files it for 20% of that payout, only when the insurer pays. A written result either way.
Already know the insurer? Claim Assist files the claim.
Disclaimers: MedaSynq is a claims-assistance service, not a law firm, not an insurance company, and not a public insurance adjuster. We do not provide legal advice and do not represent you in litigation or legal disputes. We do not sell, underwrite, or adjust insurance policies. We cannot guarantee that a policy exists or that a search will find one. Whether a policy exists, and whether it pays, is determined solely by the insurance carrier. The Policy Locate search fee is charged by MedaSynq Technologies Inc., paid once before the search starts, and is not refunded if nothing is found. If a policy located through the search is filed, the claim is handled by Claim Assist, and Claim Assist's fee is calculated on the actual amount paid by the carrier on that policy. Those fee terms are agreed to up front; the assignment of benefits that directs payment is signed only after the carrier confirms coverage.
By submitting your information, you consent to receive communications from MedaSynq Technologies via email and SMS regarding your search and any resulting claim. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or contacting support@medasynq.com. Your personal information is handled in accordance with our Privacy Policy and Terms of Service. We do not sell your personal information to third parties.