How to Find Existing Life Insurance Policies

insurance365Whether your intent is to locate already existing life insurance policy plans for an enjoyed one that passed or situate a plan secured on you, the procedure could appear impossible if you do unknown where to start. Fee-based locator solutions might have the ability to aid, however conserving this choice as a last hope could likewise conserve you cash. To discover alreadying existing life insurance policy plans, you will certainly have to be persistent as well as understand this could spend some time and also a good deal of initiative to achieve.
Do an Interior Examination
Step 1

Accumulate individual and also monetary files. Things to seek consist of checkbooks, banking institution as well as bank card declarations, pay-roll examination short ends, income tax return returning a minimum of 2 years, paper-based and also digital personal digital assistant as well as documents or calling card conserved in a report closet or cabinet. Do not ignore residents and also vehicle insurance policy documents, as these could have packed insurance policy strategies or the representative could bear in mind referring the insurance holder to a life insurance policy broker. Additionally, try to find document with a household lawyer.

Step 2

Check out the products you gathered for proof of document with, or repayment to an insurance policy firm. Different and also checklist things that could potentially lead you to an already existing life insurance policy plan. Look particularly for the names of insurance coverage firms, notes or memoranda that recognize a settlement as an insurance coverage costs, pamphlets and also calling card. On income tax return, seek passion revenue from an insurance coverage business.

Step 3

Call each business, lawyer and also previous company on your listing by phone or by mail. Be prepared to give the individual’s complete name, day of birth and also social safety and security number. If there is an already existing life insurance policy plan, you will certainly obtain additional directions pertaining to ways to declare advantages.
Execute an Outside Examination
Step 1

Call the departed individual’s banking institution to see if they had a secure down payment box.
Step 2

Contact the unclaimed home department for the state or states you think the individual bought a life insurance policy plan. Many states supply on the internet accessibility for looking an unclaimed residential property data source as well as guidelines for recuperating home you locate.
Step 3

Obtain a checklist of insurance coverage firms from your state insurance policy division for the state or states you think the individual bought a life insurance policy plan. Slim the listing by location as well as call each firm to locate already existing life insurance policy plans.
Step 4

Get in touch with a plan locator solution if initiatives to situate an alreadying existing life insurance policy plan fall short and also you still think one alreadies existing.

Prologue

The project Promoting real Life Observations for Gaining Understanding of road user behaviour in Europe – for short PROLOGUE (Seventh Framework Programme of the European Commission) – aims to contribute to reducing the number of road casualties in Europe by further developing and testing the naturalistic observation methodology.

The naturalistic observation method enables the observation of road users in an inconspicuous way by equipping the passenger cars with devices that continuously monitor various aspects of driving behaviour including information about vehicle movements, the driver and the direct environment.

The last years technical developments, e.g. improvements in the field of data storage and data mining, now make it possible to gather and analyse data on a large-scale about the interrelationship between driver, vehicle, road and other traffic in normal situations as well as in conflict situations and in actual collisions. This gained information is to help to enhance road safety in the future.

Based on the literature, experiences elsewhere and a series of small-scale field trials PROLOGUE will result in recommendations and an outline for a large-scale naturalistic study in Europe, dealing with research questions, methodology and technology for data collection, data storage, data reduction, data mining and data analysis.

The implementation of naturalistic observations requires to make a large group of people familiar with the method and to convince them of its usefulness. In order to reach all target groups in the most efficient way, a dissemination plan was developed in order to enhance the distribution of results and deliverables at different stages of the project work as well as to identify stakeholders and expert groups in the field and gather input and relevant views concerning the project.

PROLOGUE started in August 2009 with a duration of 24 months.

Aims & objectives

PROLOGUE aims to contribute to the reduction of the number of road casualties in Europe by further exploring, developing, testing and promoting the naturalistic observation methodology.

The main objective of the current project is to prove the feasibility and usefulness of a large-scale European naturalistic observation study for road safety researchers, but also for other stakeholders with a direct or indirect interest in road safety, including automotive industry, insurance companies, road user umbrella organisations, driver training and certification organisations, road authorities, research institutes and national and regional governments.

An additional objective of the project is to assess the added value of the naturalistic observation approach for transport related environmental issues, e.g. eco-driving, and traffic management issues, e.g. highway capacity. In this framework, PROLOGUE´s detailed objectives, dealt with in the various work packages of the project, are to:

define road safety research questions benefiting from a naturalistic observation
assess its added value compared with other research methods
identify other areas of application and corresponding stakeholders of a naturalistic observation approach
describe the current technical possibilities for data collection and data analysis in relation to the theoretical requirements for the identified application areas
define the methodological and organisational requirements in the identified application areas
show the current technical, methodological and organisational possibilities in a number of small scale trials
show the usefulness and value of naturalistic observation results for a number of identified application areas in a number of small scale field trials
create interest and commitment of identified stakeholders for the application of naturalistic observation studies
define the principles and requirements for a large-scale European naturalistic driving study, combining the areas of interest of the identified stakeholders

Areas of application

The main objectives are

to identify the research topics and research questions related to road safety as well as to other road transport issues such as emissions (eco-driving) and traffic management (e.g. highway capacity) where the naturalistic observation approach is especially suited for providing unique knowledge that is not available by alternative and more traditional research methods.

The focus of the work is on the identification of current research topics and applications, as well as on potential topics and issues for future studies and applications, based on an assessment of the unique methodological characteristics of the naturalistic approach.

to identify relevant users of knowledge provided by the naturalistic observation approach, and their interests.

The focus of the work is on the identification of interests and the related research questions of potential user groups which will result in a questionnaire for members of the User Forum.

In conclusion, an inventory of applications and research questions for the naturalistic observation approach will be presented, which will serve as input for further specifications of the contents of the field trials.

What is naturalistic driving?

Naturalistic driving, also known as naturalistic observations, is a new approach among already applied traffic research methods.

Under this naturalistic observation approach, the behaviour of road users is observed unobtrusively in a natural setting for a long period of time. In the United States, the approach has proven its potential to contribute substantially to the understanding of the processes resulting in crashes and near misses.

More information?
More information and several references to relevant publications can be found in the SWOV fact sheet Naturalistic Driving: observing everyday driving behaviour.
How does it work?

Typically, in a naturalistic observation study passenger cars, generally the subjects’ own cars, are equipped with devices that continuously monitor various aspects of driving behaviour, including information about vehicle movements – e.g. acceleration, deceleration, position on the road, driving speed -, about the driver – e.g. eye, head and hand movements -, and about the direct environment – e.g. traffic densities, time headway, road and weather conditions. This technique makes it possible to observe and analyse the interrelationship between driver, vehicle, road and other traffic in normal situations, in conflict situations and in actual collisions.

Since it is more difficult to equip cyclists and pedestrians, naturalistic site-based observations units are a useful addition for increasing our knowledge about the specific problems of these vulnerable road user groups.

Benefits & added value

Naturalistic observations provide information that would be difficult or even impossible to obtain by another traffic research method. For well known risk factors such as distraction and fatigue, naturalistic observations are actually the only method that would provide reliable information about their prevalence and the actual relationship with crashes, i.e. the actual risk level.

Tangible advantages of the new approach

Naturalistic studies result in a huge data base which can be used for various purposes.

Issues for which naturalistic observation would be an ideal method include

the effect of road design characteristics, or weather conditions on the interaction between driver and vehicle;
driving style comparison of specific road user groups, e.g. novice drivers, elderly;
the identification of crash contributing factors;
the prevalence of mobile phone or other in-car information devices and the relationship with particular behaviour patterns or crashes;
the effect of particular interventions;
the effect of passengers on distraction, particular driving behaviour or incidents/crashes;
the interaction between motorised vehicles and vulnerable road users;
and many other …