It sometimes happens: a life insurance policy or a pension insurance policy is paid out, but the person who is entitled to it has disappeared without a trace. Insurers are actively looking for these so-called untraceable beneficiaries. After all, a benefit must end up where the customer wanted it to go.
Life insurance policies are often taken out for a long period of time. So are pension insurances. As a result, it is possible that the entitled party cannot be found at the time that the insurer has to pay out. For example, the customer has moved and has not reported a change of address. Or relatives do not know that the deceased was insured.
Insurer is looking for a beneficiary
It is primarily the responsibility of the customer to report changes of address, and of the beneficiary to claim benefits. Nevertheless, insurers are actively looking for beneficiaries. After all, the benefit must reach the people who are entitled to it. In order to search for beneficiaries as successfully as possible, the Association and its members have already collected and shared many search methods with each other in recent years.
Are you an insurer and would you like tips on how to find an untraceable right holder? Then log in (or request an account first) and check out the list of tips at the bottom of this page.
Beneficiary is looking for an insurer
It also happens the other way around: customers who contact the insurer because they have lost their policy or do not know whether a deceased loved one was insured. To this end, the Association has developed a search service . It is intended for:
- Families. For example, if they want to know whether a deceased person was insured. Municipalities that provide a funeral for a deceased person can also submit an application.
- Policyholders. For example, if someone has taken out life insurance, but has lost the policy due to a fire. The client can apply for an investigation himself, but a court-appointed receiver or administrator can also do this.
The search service was consulted more than 9,000 times in 2022.
Persons who have accrued pension through a pension scheme of their (former) employer can mijnpensioenoverzicht.nl see on the website with which insurer, premium pension institution or pension fund they have a pension. If you have any questions, participants or their next of kin can also contact info@mijnpensioenoverzicht.nl.