Missing Life Insurance Policy Search

Unclaimed Life Insurance Policy Benefits Search - Demutualization Claims


Demutualization is the process of converting a mutual life insurance company, owned by its policyholders, to a publicly traded stock company owned by shareholders, pursuant to a plan of conversion approved by government regulators.

Many of the nation's oldest and largest life insurers began as mutual insurance companies. In recent years, however, a growing number - including Prudential, John Hancock, MetLife, Principal, Mutual of New York and dozens of others - have demutualized.

Mutual life policyholders (and heirs) continue to be entitled to receive whatever policy benefits may be due, but in addition receive stock, cash and/or policy credits in exchange for their ownership interest in the old mutual insurance company.

The amount paid to each policyholder is based on a number of factors, including length of time the policy has been in force, face value of the policy, and total premiums paid. For many policyholders, the windfall arising from demutualization can be substantial, and the financial benefits continue to accrue after a company demutualizes.

As shareholders, demutualized life policyholders are now entitled to share in the company's profits via stock dividends, and benefit from its growth in the form of an appreciated share price. Shares may be sold at any time, without affecting policy benefits.

Millions of missing policyholders and heirs aren't aware they are entitled to receive demutualization compensation.

When John Hancock demutualized, it did not have current addressed for 400,000 policyholders. Prudential could not find 1.2 million policyholders entitled to receive compensation, and MetLife estimates 60 million shares of stock arising from its demutualization - worth billions of dollars - went unclaimed.

Contact efforts were unsuccessful, due to name changes after marriage or divorce, unreported changes of address, expired postal forwarding orders and non-current beneficiary information.

By law, unclaimed demutualization compensation is remitted to the custody of a government trust account until claimants come forward.

Current and former policyholders and their heirs - the majority of whom are unaware they're entitled to unclaimed stock and/or cash - should initiate a database search.

Find missing life insurance

American Mutual Life / Amerus Manufacturers Life / Manulife Principal Mutual Life
Anthem Insurance Metropolitan Life / MetLife Provident Mutual Life
Central Life Assurance Mutual of New York / MONY Prudential Life
Equitable / Axa Mutual Service Life Standard Insurance
General American Life Nationwide / Allied Mutual State Mutual / Allmerica
Indianapolis Life Northwestern / ReliaStar Sun Life / Clarica
John Hancock Mutual Life Phoenix Home Life Unum Mutual / Unum

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