IEPF Claim
Recover shares and dividends transferred to the IEPF
Shares and dividends unclaimed for seven consecutive years are transferred to the Investor Education and Protection Fund. They are not lost — Finvora...
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Asset Recovery
Unclaimed Insurance
Claim matured policies and lapsed benefits
Matured endowment policies, unclaimed death benefits and lapsed survival payouts sit with insurers for years. We trace them and complete the claim on your behalf.
Insurers hold substantial sums in unclaimed policyholder funds — maturity proceeds nobody collected, survival benefits missed, and death claims never filed because the family did not know the policy existed.
Finvora searches insurer and IRDAI unclaimed-amount registers against your details, reconstructs the policy record, and files the maturity, survival or death claim with the required indemnity and proof.
Why clients choose Finvora for this
Multi-insurer search
We check the public unclaimed registers of every major life and general insurer.
Lost policy reconstruction
Missing the original bond is not a blocker — we file for a duplicate policy record.
Death claim handling
Full support for nominee and legal heir claims, including disputed nomination cases.
Ombudsman escalation
Where an insurer stalls or repudiates unfairly, we escalate to the Insurance Ombudsman.
How the process works
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1
Free assessment
Share whatever paperwork you have. We verify the holding and tell you honestly whether a claim is worth pursuing.
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2
Documentation
We prepare every form, affidavit and indemnity, and tell you exactly what needs to be signed or notarised.
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3
Filing & follow-up
We file with the company, registrar, authority or lender and chase the file until it moves.
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4
Settlement
Funds or securities are credited directly to your account. You receive a closure report with every reference number.
Who is eligible
- You or a relative held a life, endowment, money-back or general insurance policy.
- The policy matured, or the insured died, and no claim was collected.
- You are the policyholder, the registered nominee, an assignee or a legal heir.
Documents required
- Original policy bond, or the policy number and insurer name
- PAN and Aadhaar of the claimant
- Cancelled cheque or bank passbook copy
- Death certificate and nominee proof, for death claims
- Legal heir or succession certificate where no nomination exists
Frequently asked questions
Insurers cannot refuse a valid claim merely because it is late. Unclaimed amounts above ten years are transferred to the Senior Citizens’ Welfare Fund, but the rightful claimant can still recover them.
That is common. If you can supply the insured’s name, date of birth and approximate period, we can search the insurer records and file for a duplicate policy.
Client stories
What clients say about this service
“A policy of my late husband’s had matured six years earlier and nobody had told us. Finvora traced it, reconstructed the record because we had lost the bond, and handled the whole claim. They were patient with every question I asked.”
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Start your claim
Start your Unclaimed Insurance with Finvora
Send us the details you have. We will confirm whether a claim is viable, what it costs and how long it takes — before you commit to anything.