It is worth checking whether you have any insurance money that went uncollected even after the policy matured or the agreed payment date arrived. As of November 2026, the 'Find My Insurance' service allows users to check their insurance enrollment history and unclaimed insurance funds. This is not a temporary support program limited to a specific month, but a system for directly finding and claiming unclaimed insurance money owed to you.

How Much Unclaimed Insurance Money Has Accumulated... About 10.3 Trillion Won as of End of Last Year

According to data released by the Financial Services Commission on July 7, unclaimed insurance funds totaled approximately 10.3 trillion won as of the end of 2025. By category, this includes intermediate insurance benefits of 7.7667 trillion won, maturity insurance benefits of 1.9235 trillion won, and dormant insurance funds of 623.7 billion won. These figures are not limited to life insurance and do not represent the current balance as of November this year.

In 2025, about 3.247 trillion won in unclaimed insurance money across 800,000 cases was returned to consumers. The average refund per claim at the time was 4.04 million won, but actual amounts received vary by contract.

Why Unclaimed Insurance Funds Occur

Unclaimed insurance money refers to funds whose payment amounts have been confirmed but have not been claimed. Main causes include policyholders being unaware that a policy has matured or that intermediate benefits have accrued, or leaving the money uncollected due to not knowing the exact interest rate applied to unclaimed funds.

How to Search and Claim Those wishing to check can verify their identity on the 'Find My Insurance' service operated by the Life and Non-Life Insurance Associations and look up their enrollment history and any unclaimed insurance funds. The Life Insurance Association states that online searches are available 24 hours a day, 365 days a year.

After searching, users can use the claims service, and the actual payment procedures and additional details to confirm should be checked with the relevant insurance company. Insurance money for deceased persons is subject to separate inheritance inquiry procedures and claim methods.

Caution: Interest and the 'Average 4.04 Million Won' Misunderstanding Be careful about assuming that interest will keep accruing on unclaimed insurance money. Interest applied to intermediate and maturity benefits varies depending on contract terms and the elapsed period after maturity, and no interest accrues on dormant insurance funds. After reviewing search results, you should examine the type of insurance money, applicable interest, and paying institution to decide whether to file a claim. In particular, one should not misunderstand the 'average 4.04 million won' figure as meaning everyone will receive the same amount.

Authorities and Industry to Strengthen Publicity Financial authorities and the insurance industry announced plans this year to publicize the service through individual notifications via mail, mobile electronic notices, and phone calls, as well as demonstrations of search methods targeting elderly customers.

[This article was written based on official materials, with some assistance from AI during the writing process. The 10.3 trillion won figure represents the scale of unclaimed insurance funds as of the end of 2025, and the 4.04 million won figure is the average refund per claim in 2025, which does not guarantee individual payments. Actual payment status, amounts, and interest vary depending on contract terms and the results of confirmation by paying institutions. This publication assumes no legal or financial responsibility for the use of this information.]