Free printable

Insurance Policy Tracker: Free Printable

By Jason Su · Updated September 18, 2026

Most households have more insurance policies than anyone can list from memory — and the ones people forget are usually the ones with money attached. Life insurance, burial policies, disability cover, and old employer plans are the classic cases: they get paid for years, then nobody remembers they exist when it matters. This sheet is a one-page record of what you hold, who it covers, and where the paperwork lives.

Why this matters more than people expect

Unclaimed benefits are common. Every state holds unclaimed life insurance proceeds, and the reason is almost always that nobody knew the policy existed.
Groups change. If you changed jobs, you may have left a group life policy behind without noticing.
Mortgage and loan cover is easy to miss. Many people pay for a policy tied to a specific loan and never separate it in their minds from the loan itself.
Claims need paperwork fast. When a claim has to be filed, finding the policy number is the first hurdle — and it takes minutes instead of weeks if it is written down.

The two columns people skip

Most templates give you company and policy number. These two matter more:

Who is named as the beneficiary. A policy with no named beneficiary, or one naming someone who has since died, can end up in the estate and take far longer to pay out. Check the naming on every policy, not just the ones you remember setting up.

Where the original policy document lives. A policy number is useful. The actual document is what a claim is filed against.

For the storage side, see where to store important documents.

The sheet

Policies I hold

Type	Company	Policy number	Who it covers	Agent / phone	Premium & due	Beneficiary named	Where the policy lives
Life
Life (group / former employer)
Burial or final expense
Health
Homeowners or renters
Auto
Umbrella
Disability
Long-term care
Annuities or savings plans
Travel
Other

Cover tied to a specific loan

Payments here often continue after the loan is paid off, or end when it is sold.

Loan or mortgage	Cover attached	Company	Still needed?
			[ ] Yes [ ] No
			[ ] Yes [ ] No
			[ ] Yes [ ] No

Beneficiary check

Check each of these against the actual policy document — not from memory. This is the column that most often turns out to be out of date.

Policy	Who is named today	Still who I want?	Checked on
		[ ] Yes [ ] No
		[ ] Yes [ ] No
		[ ] Yes [ ] No
		[ ] Yes [ ] No

Agents and contacts

	Name	Company	Phone
Life insurance agent
Home and auto agent
Health plan
Financial adviser
HR / benefits (if employed)

Things to check this year

Every policy has a named beneficiary who is still living
Policies from former employers are accounted for
Cover attached to a paid-off loan has been cancelled
Premiums are still being paid on anything you want to keep — lapsed policies pay nothing
A single person knows where this sheet and the policies are kept

How to use it

Gather every policy document you can find — filing cabinet, desk drawer, the folder from the closing, the envelope from HR. Do this before filling anything in.
Work from the documents, not memory. The whole point of the sheet is to catch what you had forgotten.
Check the beneficiary column against the actual policy. This is the step that finds real problems.
Write down where each document lives. “Home safe” or “bank box” is the part that helps your family.
Give a copy to one person. The Emergency Binder Cover Page records who to call first; this sheet tells them what exists.

Frequently asked

How do I find out if someone who passed away had a policy?

Search your state’s unclaimed property program first — see how to find unclaimed money. Then check bank statements for premium payments, which is often the only surviving evidence that a policy exists.

Do I need to keep expired policies?

Keep them for a few years after they expire. A claim can occasionally surface later, and proof that cover existed at a particular date matters.

What if I cannot find the policy document?

Contact the company with your name, date of birth, and approximate start date. Most insurers can locate a policy from that. The policy number makes it faster but is not always required.

Should I list my health insurance here?

Yes — the company, member number, and the phone number on the back of the card. It is the policy most often needed and least often written down.

Is it a problem to have a policy with no beneficiary?

It can be. A policy with no named beneficiary typically pays into the estate instead, which usually means it takes longer and may be subject to the estate process. Naming someone directly is almost always simpler for your family.

How often should I review this?

Once a year, and after any of these: a new job, a move, a marriage, a divorce, a birth, or paying off a loan. See how to review your plan once a year.

Next step

Start with the beneficiary column — it is the one most likely to be wrong, and the most expensive to discover late. Pull out each policy document and check who is actually named.

Then record where the policies are kept using the free Checklist Builder, and print the Master Checklist so this sheet lives with your other records.

This is a blank record sheet, not insurance, legal, or financial advice. Policy terms, beneficiary rules, and claims procedures vary — please confirm details with your insurer and talk with a licensed professional about your situation.