“User,” “you,” “your,” is the person authorizing a search; the Authorizing User. (In order to be an Authorizing User you must be related to the decedent by blood or marriage or otherwise have an insurable interest in the Decedent Subject/Decedent Subject’s estate or be legal representative of same).
“LP,” “us,” “we” is www.LostPolicy.com.
“Decedent,” “search subject” is the deceased person.
“Insurable interest” is an interest in a person or thing that will support the issuance of an insurance policy; an interest in the survival of the insured or in the preservation of the thing that is insured.
I. By User’s use of this web site User hereby certifies, under penalty of perjury, that User is related to the decedent by blood or marriage and/or has an insurable interest in the Deceased Subject of the requested search.
II. As of the date of search initiation User hereby designates, empowers and authorizes LP as User’s and/or Estate of the Decedent’s Attorney-in-Fact for the sole purpose of requesting, on User’s behalf, a search for any life insurance coverage that may exist/have existed on the Deceased Search Subject.
III. By User’s use of this web site, User authorizes any life insurance company receiving LP’s Notice of Death and Life Insurance Search Authorization and Request form to conduct a search of its records and those records of any affiliated and/or subsidiary companies for any pending, in-force, lapsed, or cancelled life insurance policy for the named Deceased Search Subject.
IV. LP’s Notice of Death and Life Insurance Search Authorization and Request form is limited to 1) informing an insurance company of the death of an insured and 2) authorizing and requesting a search for information only. It DOES NOT authorize, nor does it request, the release of policy numbers, amounts of coverage, beneficiary designations or other sensitive family information to LP or to any person or group of people except listed beneficiaries and/or the Authorizing Person making said request and any communication concerning said Notice of Death and Life Insurance Search Authorization and Request and/or insurance coverage will be exclusively between the insurance company and listed beneficiaries and/or said Authorizing Person.
V. LP’s sole responsibility in this transaction is the forwarding of the Notice of Death and Life Insurance Search Authorization and Request form and information to all companies in its databases. Unless it refers to said form, LP is in no way involved in any subsequent communications.
VI. By providing the required information, User indicates and expresses User’s desire to request a search for life insurance coverage existence and status information and User’s use of this web site and possible provision of User’s electronic signature authorizes such search.
VII. LP’s Notice of Death and Life Insurance Search Authorization and Request shall remain in full force and effect for 90 days from the date of search initiation after which time, in the interest of the privacy of Users and decedents, all information relating to said search may be deleted from our files and databases.
VIII. User agrees with the above Authorizations, Terms and Conditions and use of this web site shall conform to all applicable laws and regulations and User shall not violate the rights of any third parties.
When you visit the LostPolicy.com web site or send e-mails to us, you are communicating with us electronically and by said communication you consent to receive communications from us electronically, i.e., we will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfies any legal requirement that such communications be in writing.
USE OF THIS WEB SITE IS AT USER’S OWN RISK AND SUBJECT TO THE FOLLOWING:
The data solicited by this web site is for informational purposes ONLY. Any information obtained via the use of this web site cannot be used by third parties for commercial purposes without the express permission of LP. Inquires about permission should be directed to: infomaster@LostPolicy.com. Facts and information provided via the use of the LP web site, its subsidiaries and/or affiliates are believed to be complete and accurate at the time that they were/are provided. Changes to this web site may be made at any time without prior notice. All data provided on this website, or as a result of the use of this website, is to be used for informational purposes only. The information contained on and/or provided by this website or by its use, is informational only and is not intended to provide any advice, general or specific, whatsoever, for any individual or company. The search services described on this website or by subsidiaries or affiliates of LP are only offered in jurisdictions where they may be legally offered for sale. Information provided as a result of the use of this website may not be all-inclusive and is limited to information that is provided by participating insurance companies. Accuracy, completeness, or reliability of search results is not guaranteed or warranted in any way and LP, its representatives, subsidiaries and/or affiliates disclaim liability of any kind whatsoever, including, without limitation, liability for non-response, incomplete search, or inaccurate information reporting on the part of any insurance company representative, insurance company, or insurance company group. Search results are provided “as is” and in no event shall LP, it’s representatives, subsidiaries and/or affiliates be liable or responsible in any way whatever for any damages of any kind, however caused, arising out of the use of this web site or for information on/from this website. LP, its representatives, subsidiaries and/or affiliates are not responsible in any way for any damages User may incur by communicating confidential information through communications partners to LP or to insurance companies, or from insurance companies through communications partners to LP, or LP to User at User’s request or otherwise. Links to other websites or references to products, services or publications does not imply endorsement or approval of such websites, products, services or publications by LP, its representatives, subsidiaries and/or affiliates. All information on this web site is protected under the copyright laws of the United States. Additionally, certain information may be copyrighted by other countries. Copying, redistributing, reproducing or republishing, in any form, any information found at this website or provided by LP is expressly prohibited without written the permission of LP.
REFUND POLICY: Once a search is initiated no refunds can be given.