Unclaimed life insurance, dormant annuities, and forgotten policy benefits — found and paid.
$7B+ annually (US) in available surplus — most of it unclaimed. SurplusAI finds it, qualifies it, and connects it to recovery specialists and claimants across all 50 states.
$7B+
In unclaimed insurance benefits annually
1 in 600
Life insurance policies go unclaimed
45–120 days
Average recovery time
Life insurance companies aren't required to find you — you have to find them.
Over $7 billion in life insurance benefits, annuity payments, and disability claims go unclaimed every year in the US. Beneficiaries don't know a policy exists. Insurers hold unclaimed benefits in general accounts for years before escheating to states. Policies purchased decades ago are rarely communicated to heirs. SurplusAI's insurance recovery engine crosses public death records with insurance company disclosures and state unclaimed property databases to surface these hidden assets.
SurplusAI for Insurance Recovery
Cross-Match
CORTEX matches death records, Social Security data, and state unclaimed property disclosures against insurance company reporting — identifying likely unclaimed policies.
Validate
Each lead is validated against insurer disclosure requirements (NAIC standards), confirming policy existence, benefit amount, and beneficiary status.
Claim
Recovery firms initiate claim processes with insurers. SurplusAI provides the documentation chain: policy discovery report, death certificate, beneficiary proof.
Collect
Insurers pay verified claims. Benefits are disbursed to rightful beneficiaries with full tracking. Interest accrued during the dormancy period is claimed where legally available.
Insurance lead flow for recovery firms
Insurance recovery is a high-value, low-competition vertical. SurplusAI surfaces matched leads — deceased → unclaimed policy → known beneficiary — giving recovery firms a direct path to claim with documentation already assembled.
Your Recovery Journey
No upfront cost. Contingency only. You only pay when you collect.
Search
Submit a deceased family member's name at getsurplus.ai. SurplusAI searches all known insurers and state unclaimed property records.
Match
AI cross-references death records and insurance disclosures — confirming policies, benefit amounts, and your beneficiary standing.
Claim
Recovery specialist files formal claim with the insurer using SurplusAI's documentation packet. No upfront cost — contingency only.
Payment
Insurer processes and pays the claim. Funds disbursed to you. If interest is owed for dormancy, that's claimed too.
Simple, Transparent Plans
The Insurance vertical is optimized for Growth — all 10 verticals, 200 leads/month.
Starter
$499/month
- 3 verticals
- 50 leads/month
- 5 active cases
- Basic reporting
- Email support
Growth
$999/month
- All 10 verticals
- 200 leads/month
- 25 active cases
- AI Copilot + CORTEX
- Priority support
Enterprise
Custom
- Unlimited leads & cases
- White-label platform
- Custom AI engines
- Dedicated CSM
- SLA guarantee
Common Questions
How do I know if a deceased family member had a life insurance policy?
Most people don't — that's the problem. SurplusAI searches 50+ state unclaimed property databases, NAIC insurer disclosures, and public death records to find policies you may not know exist.
What if the insurance company says the policy lapsed?
SurplusAI's specialists review lapse circumstances, state regulations, and insurer obligations. Many 'lapsed' policies have recoverable cash value or are subject to reinstatement under state law.
Are annuity benefits covered?
Yes — fixed annuities, variable annuities, and structured settlements are all covered. SurplusAI tracks unclaimed annuity distributions and beneficiary rights.
Check if you have unclaimed insurance funds
Free to check. No obligation. Contingency-based — we only get paid when you collect.