Consumer Frequently Asked Questions
DISCLAIMER: The information provided here is based upon the information provided by consumers, which may be limited, and may not apply in all cases. Please contact us with any specific questions you may have:
If you are a licensee of the Department, please visit Frequently Asked Questions for Licensees.
The Department regulates the business of insurance in Utah. We do not have records for individual policies and there is no national registry for life insurance policies. If you believe a person was insured but are unable to locate the policy, we suggest that you:
- search bank and credit card records for at least the previous year for premium payments to any insurance company.
- contact current and previous employers to see if life insurance was provided.
- contact union or association if a member.
- ask family and friends if the name of an insurance company was ever mentioned.
- contact the insurance company that provided auto and homeowner’s insurance in case life insurance was also purchased.
- as a last resort, consider using a search company. An internet search on “lost life insurance” will provide companies that will contact insurance companies for you. Be sure to ask what service is offered and the cost.
Access to the Utah insurance laws and administrative rules is available on our Legal Resources page.
The Department has no authority to make an insurance company pay a claim. The Department does, however, require insurance companies to follow claim practices set forth in Rule R590-191.
Generally, an insurance company must act within 15 days of receipt of the claim. If additional information is needed by the insurance company to evaluate the claim, the insurance company must inform the claimant of the investigation and must keep the claimant informed every 30 days.
If claim payment is delayed more than 60 days, please contact the Life Insurance Section for assistance.
We would be happy to review your policy with you but have you called the insurance company or agent? The insurance company will know the features of your policy better than we and will be able to provide specific current details about your policy. If you would still like us to review the policy, please call 801-957-9290 or toll-free at 800-439-3805 to arrange a convenient time for an appointment.
The Producer Licensing Division at 801-957-9240 answers all producer licensing questions.
The Company Licensing Division at 801-957-9252 answers all insurance company licensing and renewal questions.