(a) The department of business regulation shall maintain a central database of electronic contact information for each life insurer having policies in force in this state. (b) On and after January 1, 2013, any member of the immediate family of a decedent searching for life insurance policies covering the decedent may file a request with the department for a search pursuant to this section, provided the decedent was a resident or former resident of this state. Any such request shall include a copy of the subject decedent’s death certificate. The right to file a request for a search pursuant to this section may not be assigned. (c) The department shall transmit any such request to all life insurers having policies in force in this state, along with information necessary for responding directly to the person filing the request. Each such insurer shall examine its books and records to make a determination as to the existence of coverage of the subject decedent, and upon a finding that such coverage does exist, shall directly notify the person filing the request. (d) The department may adopt such rules and regulations as may be necessary to implement the provisions of this section. (e) Insurers of credit life insurance are exempt from inclusion in the central database and shall not be subject to the requirements of § 27-4-28.
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