How can you be sure you found all of your late loved one’s life insurance and annuities?

This problem has long vexed Michigan families. Many life insurance policies are hard to find since they are paid-up, or relate to former employment for which there may be no “paper trail.”

Happily, effective in late 2016, the Michigan Department of Insurance and Financial Services (DIFS) implemented the Life Insurance Annuity Search Service (LIAS) program. The new service helps families find life insurance and annuity contracts purchased in Michigan.

Once a search has been submitted, the LIAS will forward the information to all life insurance companies doing business in Michigan.

Life insurance companies must respond to requests within sixty days of submission. Submissions may only be made on behalf of deceased, not living, individuals. Requests are made online at

We have begun submitting LIAS requests as part of the trust and estate administration services offered to our clients.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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