Finding Forgotten Insurance Money in Korea (내보험찾아줌)

The diagram below is a self-made illustration, not a real screen.

You may have insurance money that became payable but was never claimed. This guide covers only how to check it on 내보험찾아줌 (“Find My Insurance”), run by the Korea Life Insurance Association and the General Insurance Association of Korea.

Who this suits

• People who don’t remember how many policies they’ve had
• People who had policies that pay money partway through (e.g. birthday or health-check benefits)
• People who need to check a deceased family member’s policies

Step 1. Know what kind of money it is

Per the Life Insurance Association, unclaimed insurance money comes in three types:

• Interim benefits: paid at set points during the contract (health-check, celebration, education benefits, etc.)
• Maturity benefits: the policy has matured but the claim period hasn’t run out
• Dormant benefits: the claim period has run out and nobody collected it. The period is 2 years after maturity/lapse for contracts before March 2015, and 3 years after that.
• 내보험찾아줌 says dormant benefits earn no interest, and interest on interim/maturity benefits drops as time passes after maturity. Checking early is better.

Step 2. Look it up on 내보험찾아줌

• Use 내보험찾아줌 on the Life Insurance Association or General Insurance Association website. Type the address yourself rather than tapping a text-message link.
• You can check in real time, 24/7, with a joint certificate, i-PIN or phone verification. Results stay viewable for one month.
• Per the official guide, life and non-life policies can be checked in one lookup.
• Lookups and claims happen after login (identity verification).

Step 3. Know what won’t show up

• Mutual-aid products from Saemaul Geumgo, Korea Post, Shinhyup, Suhyup and similar are not included. Ask those organisations directly.
• Per the FSS, policies more than 3 years past maturity drop off the list, and dormant money appears as its own item.
• The service shows contract status only, not coverage details.

Step 4. For a deceased relative or a proxy

• Under-14s and deceased persons can only be checked in person at an association office, not online.
• The Life Insurance Association head office (Jung-gu, Seoul) doesn’t handle lookups. In Seoul, go to its metropolitan office (Jongno-gu) or the General Insurance Association’s civil service centre (Geumcheon-gu).
• A proxy needs their own ID, a power of attorney with the subject’s registered seal, and the seal certificate, all issued within the last 3 months.
• Call the association before visiting to confirm documents.

Common mistakes

• Checking dormant bank deposits only and skipping insurance
• Expecting mutual-aid products to show up
• Using a text-message link or giving details to a “we’ll find your money” agent
• Trying online only after a family death

Checklist

• ☐ Open 내보험찾아줌 via the official address
• ☐ Check policies and unclaimed benefits
• ☐ Ask mutual-aid providers separately
• ☐ Claim through the insurer into your own account
• ☐ For family lookups, confirm documents, then visit

For more money you may be missing, see our guide to finding hidden money.

We also have a $4.99 PDF guide that collects more everyday money-saving tips. Take a look if it’s useful →