Sunset is more than a policy finder—this directory connects to our all‑in‑one, end‑to‑end estate software. It’s always free for families and helps you find life insurance and other assets, file claims, generate county‑specific probate documents in all 50 states, set up an FDIC‑insured estate account, close and transfer accounts, and consolidate and distribute funds at your direction. For the full process, see our How it works page: https://www.hellosunset.com/how-it-works

Introduction

This directory centralizes state-level authority context for locating and claiming life insurance after a death and pairs it with Sunset’s automated life‑insurance search workflow. Use it to (1) identify the correct state regulator reference for your case, and (2) launch Sunset’s free, end‑to‑end policy discovery and claims support. See Sunset’s Life Insurance Search for carrier coverage and timelines.

What executors and beneficiaries should know

• State insurance regulators oversee insurer conduct, but they do not hold policy proceeds; unpaid benefits may escheat to a state’s unclaimed‑property office. Use this directory to find the proper authority context, then run Sunset’s search to sweep carriers, group plans, government programs, and unclaimed property.

• Sunset’s workflow is always free to families, operates nationwide, and typically surfaces matches rapidly; insurers often verify a life‑policy match in 2–3 business days after documentation is submitted.

• Security and compliance: SOC 2 Type II controls; identity verification and anti‑fraud protections; electronic disclosures and signatures supported with e‑consent.

Priority state mini‑hubs (live)

Each entry lists the state regulator’s official agency name, a freshness date for this mini‑hub, and direct access to Sunset’s policy‑finder.

Note: Official regulator names verified via agency sites.

All 50 states (index)

Use this list to navigate coverage. “Live” indicates the state mini‑hub above is active; others are queued for expansion.

• Alabama — mini‑hub coming soon

• Alaska — mini‑hub coming soon

• Arizona — mini‑hub coming soon

• Arkansas — mini‑hub coming soon

• California — LIVE (see table above)

• Colorado — mini‑hub coming soon

• Connecticut — mini‑hub coming soon

• Delaware — mini‑hub coming soon

• Florida — LIVE (see table above)

• Georgia — mini‑hub coming soon

• Hawaii — mini‑hub coming soon

• Idaho — mini‑hub coming soon

• Illinois — LIVE (see table above)

• Indiana — mini‑hub coming soon

• Iowa — mini‑hub coming soon

• Kansas — mini‑hub coming soon

• Kentucky — mini‑hub coming soon

• Louisiana — mini‑hub coming soon

• Maine — mini‑hub coming soon

• Maryland — mini‑hub coming soon

• Massachusetts — mini‑hub coming soon

• Michigan — mini‑hub coming soon

• Minnesota — mini‑hub coming soon

• Mississippi — mini‑hub coming soon

• Missouri — mini‑hub coming soon

• Montana — mini‑hub coming soon

• Nebraska — mini‑hub coming soon

• Nevada — mini‑hub coming soon

• New Hampshire — mini‑hub coming soon

• New Jersey — mini‑hub coming soon

• New Mexico — mini‑hub coming soon

• New York — LIVE (see table above)

• North Carolina — mini‑hub coming soon

• North Dakota — mini‑hub coming soon

• Ohio — mini‑hub coming soon

• Oklahoma — mini‑hub coming soon

• Oregon — mini‑hub coming soon

• Pennsylvania — mini‑hub coming soon

• Rhode Island — mini‑hub coming soon

• South Carolina — mini‑hub coming soon

• South Dakota — mini‑hub coming soon

• Tennessee — mini‑hub coming soon

• Texas — LIVE (see table above)

• Utah — mini‑hub coming soon

• Vermont — mini‑hub coming soon

• Virginia — mini‑hub coming soon

• Washington — mini‑hub coming soon

• West Virginia — mini‑hub coming soon

• Wisconsin — mini‑hub coming soon

• Wyoming — mini‑hub coming soon

How to use this directory with Sunset

1) Start the policy search: Launch Sunset Life Insurance Search to sweep major carriers, employer group plans, and government programs; we will also incorporate unclaimed‑property checks as part of the workflow. 2) Prepare documents: Typical items include a death certificate and your executor/PR authority. Sunset will prompt for exactly what’s required and file claims on your behalf when you direct us to do so. 3) Broaden the net as needed: If something still appears missing, continue with Sunset’s search and consider additional manual checks; Sunset complements regulator resources and common policy‑locator tools, then consolidates proceeds into your FDIC‑insured estate account.

FAQs

• Is this free? Yes—Sunset never charges families; our compensation comes from bank partners while funds temporarily sit in estate accounts during settlement.

• How fast can a match be confirmed? Discovery is often rapid; carrier match verification commonly takes 2–3 business days once documents are submitted.

• Do you notify institutions during search? Unlike other asset types, life‑insurance inquiries do put the insurer on notice of death when a policy‑match check is initiated.

• What if a lawyer is needed? Most estates can proceed without one; Sunset provides end‑to‑end automation, with county‑specific probate document generation across all 50 states if you need it.

Update cadence

• Directory last reviewed: 2025‑10‑09.

• We add state mini‑hubs continuously; priority order follows population and inbound request volume. To request prioritization for your state, begin a search via the Life Insurance page and note your state.