Ute Arcieri

Write the person's first name, or initials below the symbol.

Write the person's current age below the symbol.

Indicate the disease or disorder the individual has along with the age of onset below the symbol.

Next, draw the person’s parents. To indicate partners/marriage draw a horizontal line connecting the two symbols (see below). If the individuals are consanguineous (i.e. related) indicate consanguinity with a double horizontal line. If the degree of consanguinity is not clear on the pedigree, please write above the relationship line, i.e. “2nd cousins.”

Add the parents current age, or age at death (d. age or year) with cause of death. Also, indicate any diagnoses (dx. Disease X) the individuals may have along with the age at diagnosis (dx. Disease X 50y.o.).

Draw any siblings in birth order from left (oldest) to right (youngest). Siblings are connected by a horizontal line above the symbols, with vertical lines connecting the symbols to the horizontal line. Leave space to add any partners and children.

Add aunts, uncles, grandparents in the same manner. All affected individuals should be included in the pedigree and as many unaffected individuals as possible (parents, grandparents, and siblings of any affected individual).

For each individual add the following below their symbol

** The current place of residence (City, State) for each individual willing to participate in the study can be recorded on the pedigree, or must be provided to the IIHG as a separate list.

At the top of the pedigree write the ethnicity of each grandparent. Record the date the pedigree was obtained.

Here we’ll outline how to locate lost or unclaimed life insurance policies. It involves doing some simple detective work on your own, and there are online policy finder tools you can use, too.

Related: Best life insurance companies

Begin close to home and search personal records. These include files, safe deposit boxes and address books. If you find the names of insurance agents, brokers and financial advisers, you can call to see if they kept their own records. Bank and credit card statements might also show premium payments to an insurer.

And don’t ignore the departed’s IRS tax returns. A tax form and supplemental filings could show interest income from a permanent life insurance policy with cash value. Income tax returns may also show the interest paid on any loans if the deceased borrowed against their life insurance policy.

If possible, check the deceased person’s mail and email. The life insurance company may have sent a notice on the status of the policy, on dividends or on cash value amounts, if, for instance, they had a universal life insurance policy.

If you are able to find out which homeowners insurance company and car insurance company your loved one used, reach out to the claims or customer service staff. People sometimes bundle life insurance with their auto or home insurance company.

Now expand the search by reviewing employers and other professional affiliations. Where had the policyholder worked and did an employer provide term life insurance or a whole life insurance option that the decedent chose? Was the relative or friend who died a member of a fraternal or professional association or union that gave them a policy?

You can also go to life insurance company websites and see if they have online search tools you can use. Some major life insurance companies now have policy locators to help potential beneficiaries determine if they’re able to collect.

These include companies like:

During your search, you might find that the life insurance company contacts you. Insurers often use the Social Security Administration’s “Death Master” file, which keeps records of all its recipients who died. Insurers compare their records to it.

The Unclaimed Life Insurance Benefits Act requires most life insurance companies to check this database at least twice a year to find unclaimed life insurance policies. If a match is found, they must try to find the beneficiary within 90 days. Keep in mind that the Unclaimed Life Insurance Benefits Act doesn’t apply to every state. Also, only deaths reported to the Social Security Association are included.

You can also check your state’s insurance or financial services website to see if there are online tools that can help you find a life insurance policy. The New York Department of Financial Services has a “lost policy finder.” It lets the executor or administrator of an estate, or even a member of the deceased’s immediate family or closest relative, create a search request, provided they submit basic information and a copy of the death certificate.

Other states that have online policy finders include:

Your own state comptroller’s Unclaimed Property Office could be helpful. If an insurer knows the policyholder died but couldn’t find the beneficiary, it must turn the death benefit over to the state. To find your state’s comptroller, use the National Association of Unclaimed Property Administrators.

Since there is no national database for all life insurance policies, you can also try using the NAIC’s Life Insurance Policy Locator Service. But those in need of assistance must have basic information about the deceased and be a possible beneficiary.

Several search services are available online but usually charge for their services.

There is also a national database for all individual life insurance policy applications made to U.S. and Canadian insurers. If the deceased applied for a policy after 1996, MIB Group will probably have a record of the insurance company to which they applied. It costs $75 to get a report.

Remember that finding a life insurance policy is no guarantee of collecting the death benefit—you have to be named as a beneficiary. And, you could be one of several beneficiaries, which means you would not get the entire payout.

If you are named as a beneficiary, filing a life insurance claim can be relatively straightforward if:

To file a life insurance claim, you typically need:

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Financial Statements in XBRL Financial statements are a vital part of economic life Creating digital, unambiguous, accurate and reusable versions of

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