Find unclaimed insurance & financial benefits owed to your family.
When someone passes away, families often check primary bank accounts but miss dormant assets—such as old life insurance policies, EPF workplace benefits (EDLI), or loan-linked credit covers. We help trace what is rightfully owed with transparent procedural guidance.
Talk to Us — Free Check
Leave details to start an initial review for your family or a relative.
Our team will contact you shortly on the number provided.
Comprehensive asset search across key institutions.
Tell us basic details—we assist in evaluating which institutions require formal submissions.
Workplace Fund (EPF)
Salaried employees carry linked EDLI insurance benefits that family members must file for.
Life Insurance
We assist in tracing active or legacy policy coverage and documentation requirements.
Loan Protection
Credit products often feature group insurance to waive remaining loan balances upon death.
Bank Accounts
Savings accounts and debit/credit cards frequently include built-in accidental death covers.
Employer Dues
Final salary settlements, gratuity, and group cover benefits requiring legal heir submissions.
How family benefit claims work in India.
Direct, plain-language answers to common questions families face after a loss.
How do I claim EPF and EDLI benefits after a family member's death?
EDLI (Employees' Deposit Linked Insurance) provides an automatic life insurance benefit ranging from Rs. 2.5 Lakhs up to Rs. 7 Lakhs for salaried members.
Steps to claim: The registered nominee or legal heir must file Form 5IF through the employer or directly via the EPFO portal, accompanied by the death certificate, canceled cheque, and succession certificate or legal heir certificate if no nominee was registered.
How can I trace a lost or forgotten life insurance policy (e.g., LIC)?
If you have policy papers or bank statements showing past premium deductions, you can approach the respective insurer's branch directly.
For policies where details are unknown, families can utilize the IRDAI Bima Bharosa grievance and policyholder portal or check the RBI's **UDGAM** portal for unclaimed bank deposits.
Are home loans and personal loans waived upon the borrower's death?
Many home loans, auto loans, and personal credit lines are bundled with Loan Protection Insurance (Credit Life) at the time of sanction. If active, this insurance clears the entire outstanding loan balance, preventing financial strain on surviving family members.
How does Claimily charge for its services?
Claimily offers a free preliminary eligibility check to help families identify potential asset streams. For end-to-end documentation, filing assistance, and institutional follow-ups, transparent advisory terms or success-linked facilitation structures apply, communicated clearly before any paid engagement begins.
Five clear steps from search to resolution.
Transparent communication with step-by-step documentation guidance.
Initial Review
Share basic details about the deceased individual and employment history.
Asset Assessment
We evaluate workplace benefits, credit covers, and insurance possibilities.
Action Report
Receive a clear roadmap of eligible claims and required institutional offices.
Documentation
Guidance on compiling death certificates, claim forms, and heir proofs.
Institutional Filing
Ongoing support while claims are processed by banks, insurers, or EPFO.
Clear service boundaries and professional standards.
Claimily is an independent claims-assistance facilitator—not an insurance company, bank, or government EPFO office. We do not hold client funds or make final claim approval decisions. Approval and payouts sit strictly with the respective insurer, employer, or banking institution.