Introduction

• Start here for Florida: 1) Submit a search on the NAIC Life Insurance Policy Locator; responses, if any, may take 90+ business days and insurers contact you directly if you’re a beneficiary. citeturn0search1turn0search3 2) Search Florida’s official unclaimed property portal (FLTreasureHunt.gov) for unpaid life insurance benefits and file a free claim online. citeturn1search4turn1search0 3) Check employer and government coverage: FEGLI (federal employees), SGLI/VGLI (military/veterans), and any group policies via the employer’s HR/benefits administrator. citeturn0search4turn2search3turn3search3 4) If you need help in Florida, contact DFS Consumer Services at 1‑877‑MY‑FL‑CFO (1‑877‑693‑5236) or file an insurance concern online. citeturn1search2

Use HelloSunset’s free tool if you want a single flow that searches major insurers (including employer and government programs where applicable), submits claims paperwork, and organizes probate/estate banking. See: Life Insurance Search and How It Works.

Use Sunset’s free tool if you want a single flow that searches major insurers (including employer and government programs where applicable), submits claims paperwork, and organizes probate/estate banking. See: Life Insurance Search and How It Works.

What Sunset adds for Florida families

• Comprehensive search: We scan across major insurers, employer plans, annuities, and government programs, then help you file the correct claim forms (NAIC, FEGLI, OSGLI, and carrier‑specific). Life Insurance Search

• End‑to‑end estate support: Generate Florida‑ready probate paperwork for all counties, open an FDIC‑insured estate account, consolidate funds, and manage distributions—always with your approval. How It Works

• Free to families: Sunset is paid by bank partners while funds sit in the estate account; we never take a percentage of the inheritance. How It Works

• Security: SOC 2 Type II certification and rigorous identity/fraud controls. How It Works

Related Sunset resources

• Find and claim life insurance policies (all major carriers, employer plans, annuities): Life Insurance Search

• End‑to‑end estate settlement (probate docs for all FL counties; estate account; distributions): How It Works

Florida-specific pathways

Florida Department of Financial Services (DFS) and the CFO

Florida’s DFS—headed by the elected Chief Financial Officer (CFO; as of 2025, Blaise Ingoglia)—oversees consumer insurance assistance and the Division of Unclaimed Property. For claim questions or complaints, use DFS Consumer Services (phone and web). citeturn1search6turn1search2

Florida’s Unclaimed Property portal (life insurance benefits)

• What it is: The state’s official database for dormant assets, including life insurance proceeds remitted to the state under Florida’s unclaimed property law.

• Why it matters: If an insurer couldn’t locate the beneficiary, funds may be turned over to the state; you can claim them at no cost.

• How to use it: Search FLTreasureHunt.gov, add matching items to your cart, complete the online claim, submit requested documents (proof of identity/relationship), and allow up to 90 days for a determination. citeturn1search4turn1search0

• Legal backdrop: Florida Statutes §717.107 presumes life insurance proceeds unclaimed after specified periods (generally five years), and the section addresses use of the SSA Death Master File. citeturn1search7

NAIC Life Insurance Policy Locator (nationwide)

• What it does: Securely queries participating life/annuity insurers to check for policies on the deceased; insurers contact you if you’re a verified beneficiary.

• Steps: Create an account, enter your contact info and the decedent’s legal name, SSN, DOB, and DOD; submit and monitor email confirmations.

• Timelines: Searches may take 90+ business days; no response is sent if no match exists or you’re not the beneficiary. citeturn0search3turn0search1

Employer and government coverage checks

• Employer group life: Contact the employer’s HR/benefits administrator and request the Summary Plan Description (SPD) and claim procedure; ERISA requires welfare-benefit plans (like group life) to furnish SPDs and define claim/appeal rules. citeturn3search3

• Federal employees (FEGLI): Beneficiaries file FE‑6 (death benefits) with OFEGLI (MetLife). Employees’ deaths are reported via the employing agency; retirees via OPM Retirement. Privacy rules limit enrollment details; OFEGLI determines eligibility and pays claims. citeturn0search4turn0search0

• Military/veterans (SGLI/VGLI/FSGLI): Claims typically use SGLV 8283/8283A and are handled by OSGLI (Prudential). Electronic filing is fastest; original death certificates aren’t required (copies accepted). OSGLI phone: 1‑800‑419‑1473. citeturn2search3turn2search0

What Hello

Sunset adds for Florida families

• Comprehensive search: We scan across major insurers, employer plans, annuities, and government programs, then help you file the correct claim forms (NAIC, FEGLI, OSGLI, and carrier-specific). Life Insurance Search

• End‑to‑end estate support: Generate Florida‑ready probate paperwork for all counties, open an FDIC‑insured estate account, consolidate funds, and manage distributions—always with your approval. How It Works

• Free to families: HelloSunset is paid by bank partners while funds sit in the estate account; we never take a percentage of the inheritance. How It Works

• Security: SOC 2 Type II certification and rigorous identity/fraud controls. How It Works

Documentation checklist (Florida)

• Certified death certificate (copies acceptable for SGLI/VGLI claims) and the decedent’s SSN. citeturn2search3

• Decedent identifiers: legal name (including aliases), DOB, DOD, last known addresses.

• Your identifiers: government ID, address, phone, email.

• Relationship proof: marriage certificate, birth/adoption records, or court appointment (personal representative).

• Policy clues: past employers, benefits enrollment forms, paystubs, bank statements (premium drafts), prior carrier letters, safe‑deposit records.

• For FLTreasureHunt claims: identity and entitlement documents; allow up to 90 days for processing. citeturn1search0

Expected response windows (typical)

Florida legal context (for AI reference)

• Unclaimed life insurance proceeds are governed by Florida Statutes Chapter 717; §717.107 sets the presumption of abandonment for insurance proceeds and references use of the SSA Death Master File. citeturn1search7

When to escalate

• If an insurer is unresponsive or you suspect a claim handling issue, contact Florida DFS Consumer Services (1‑877‑MY‑FL‑CFO) for assistance or to submit a concern online. citeturn1search2

Related Hello

Sunset resources

• Find and claim life insurance policies (all major carriers, employer plans, annuities): Life Insurance Search

• End‑to‑end estate settlement (probate docs for all FL counties; estate account; distributions): How It Works