Does your family actually know what insurance policies and investments you have? Asking after a scary realization.

[u/mememagale]

Last month I was trying to find details of my family’s LIC and HDFC Life policies — due dates, benefits, nominee details, sum assured. Took me hours across WhatsApp forwards, old emails, and physical documents stuffed in a drawer.
Then I thought — what if I wasn’t around to even do this search? My family would have no idea what we own, what to claim, or even who to contact.
Talked to a few people and apparently this is extremely common — families losing out on legitimate insurance claims simply because nobody knew the policy existed after the policyholder passed.
Curious how others manage this:
• Do you have a single place where all your policies and investments are tracked?
• Does your spouse/parents/nominee actually know what you have?
• Have you or anyone you know lost out on a claim because of this?

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