Hello Ankit,

Sorry to hear about your friend's elder brother. This is a very peculiar question/problem.

Here are some options you can try:

1. If he has bought through an agent or a bank - You should look for the agent and s/he can help retrieve the policy for sure. Check with any insurance agent he was in touch with or his bank.
2. If he has bought the policy online - you should be able to find it in his email box. The email box should be retrievable. This link provides guidance for Gmail, Hotmail, Outlook, Yahoo, etc. How to Access a Deceased Loved One’s Online Accounts | TIME.com
3. Tracing the bank account and credit card account statements of the last year can help with information about insurance companies where he was making payments.
4. Insurance policies are stored by the insurance company in the Government app Digilocker as well as an eInsurance Account with 4 Insurance repositories. You can talk to each of them for assistance.
5. The only other alternative we can think of involves a lot of legwork - is to take his phone number, PAN Card, and Aadhar card details - carry the death certificate and meet officials in local branch offices of the top 5-6 insurance companies. They should be able to retrieve details from their internal systems.

Hope this helps. Would sincerely request you to update this thread later with your actual real-life experience. Will help many others who could face similar issues.

Regards,

Team Beshak.