SECURE YOUR LEGACY
Give Your Family Everything They
Need to Claim Your Life Insurance
You've already bought the life insurance. PolicyDoctor makes sure your family always knows where it is, what to do next, and where to find it when the day comes.
Independent Consumer Advocate
We work only for you
No Insurance Sales
Never selling, always protecting
Built for One Purpose
When your family is already grieving, they should not have to become investigators — digging through files, passwords, old emails, and paperwork just to figure out where to start.
Secure Policy Vault
Bank-level encryption with daily backups.
THE PROBLEM
Most Families Aren't Prepared for Claim Day
A life insurance policy only helps if your family can find it, access it, and know how to start the claim. For many families, the process is far more stressful than it needs to be. Policies get misplaced. Carrier information changes. Beneficiaries don't know where to start. Important documents are scattered across filing cabinets, computers, email accounts, and safe deposit boxes. During one of the hardest moments in their lives, families are left trying to piece everything together.
Can't Find the Policy
Even if you told your family once—or many times—years or even decades can pass before they need the policy. By then, important details are often forgotten or misplaced.
Don't Know Where to Start
Every insurance company has its own claims process and documentation requirements. During an already difficult time, families are often left trying to figure it out on their own.
Information Is Scattered
Policies, passwords, claim instructions, and beneficiary information are often spread across different places, making everything harder to find when it matters most.
Life Changes
People move, change jobs, update beneficiaries, replace computers, and change phones. Plans that made sense years ago can become difficult for family members to follow.
THE SOLUTION
Everything Your Family Needs. Nothing Left to Chance.
Instead of searching through drawers, emails, and old files, your family opens one secure vault with the policy, carrier details, beneficiary access, annual reminders, and carrier-specific claim guidance prepared by a real human before they ever need it.
See What's IncludedWHAT'S INCLUDED
Everything Your Family Needs
Claim-Ready Assessment
Together, we find anything that could make it harder for your family to claim your life insurance, then create a clear plan before your vault is built.
Claim-Ready Vault
We organize your life insurance policy and important information in one secure place, so your family knows exactly where to go instead of searching through drawers, folders, or old emails.
Prepared for Your Family
We make sure your beneficiary knows where to go, what they'll need, and how to start the process before that day ever comes.
Personalized Claim Plan
After your Claim-Ready Vault is activated, PolicyDoctor contacts your insurance company to identify the exact documents they require to pay out a claim. Then we add those requirements and first steps to your beneficiary's dashboard, so they know exactly what to gather before starting the claim instead of calling the insurance company first and figuring it out from scratch.
Annual Check-In
Every year, we send you a text message to review your Claim-Ready Vault and keep it current if anything changed — like a canceled policy, new carrier, added policy, or updated beneficiary. We also remind your beneficiary where to find it, so they are not left searching for outdated or missing information later.
Beneficiary Support
If your beneficiary ever needs to start a claim, a PolicyDoctor specialist is available to help them understand where to begin and make sure they have everything they need before contacting the insurance company.
INVESTMENT
You Paid for the Policy. Now Make Sure They Can Actually Claim It.
PolicyDoctor organizes the policy, carrier information, claim path, document requirements, beneficiary access, annual reminders, vault upkeep, and support path your family will need when the time comes.
Total Claim-Ready Value: $1,194
YOUR INVESTMENT
$189
Claim-Ready Setup
First year included. Renews at $59/year after the first year.
Includes
- ✓ Claim-readiness assessment
- ✓ Done-for-you vault setup
- ✓ Carrier claim path research
- ✓ Document requirements review
- ✓ Beneficiary access preparation
- ✓ First-year secure vault access
- ✓ Annual owner + beneficiary reminders
- ✓ Vault upkeep + readiness maintenance
- ✓ One-on-one beneficiary support path
After your first year
Just $59/year
Keeps your vault active with:
- ✓ Annual text reminders
- ✓ Beneficiary reminders
- ✓ Beneficiary support
- ✓ Secure vault access
Our Claim-Ready Guarantee
PolicyDoctor will organize your policy details, carrier claim path, document requirements, beneficiary access, and personalized claim-starting plan within 72 hours after activation.
We guarantee your beneficiary will not be left guessing where the policy is, who to contact, what to gather, or how to start the claim.
If we do not complete your Claim-Ready Setup within 72 hours after activation, we will refund your entire $189 setup fee. Your first year of Legacy Vault Access remains included, then renews at $59/year.
Guarantee applies after activation and after PolicyDoctor receives the information needed to complete your setup. See Terms for full guarantee details and conditions.
HOW IT WORKS
Three Steps to Total Protection
Request Your Free Claim-Ready Review
We identify anything that could make it harder for your family to find the policy, know where to start, or begin the claim when the time comes.
We Make It Claim-Ready
We organize your documents, contact your insurance company, confirm the claim requirements, and build your personalized Claim-Ready Vault.
Your Family Is Fully Protected
Your life insurance protects their future. PolicyDoctor makes sure they know where to find it, what they need, and how to start the claim when the time comes — without searching through files, guessing who to call, or figuring it out alone.
OUR MISSION
Life Insurance Protects Your Family.
We Help Them Collect It.
Every year, more than $1 billion in life insurance benefits still go unclaimed. Even for the families who do receive the money, many spend days or weeks searching for policies, tracking down documents, and figuring out how to start the claim.
We believe your family deserves better.
PolicyDoctor prepares everything before it's ever needed—so your beneficiary knows exactly where to go, what they'll need, and how to begin with confidence.
We are independent. We don't sell insurance. We don't work for insurance companies. We work for the families who depend on those policies when they matter most.
MEET THE FOUNDER
Garrett Downey
Consumer Advocate & Founder
Before starting PolicyDoctor, I worked as a life insurance agent. On calls, I heard the same painful story too many times: a parent or family member had passed away, but the policy was hard to find, hard to claim, or discovered years later when the family should have had the money much sooner.
That bothered me. Life insurance is supposed to protect families, but after the policy is sold, families are often left to navigate the hardest part alone. The insurance company has teams, systems, and support. The policyholder and beneficiary usually do not.
I built PolicyDoctor Legacy to change that. We do not sell insurance, recommend policies, or work for carriers. We work for the family — making sure the policy, claim requirements, first steps, and beneficiary access are ready before they are ever needed.
"Policyholders do the responsible thing by buying life insurance. PolicyDoctor helps finish the job — so their family is not left searching, guessing, or fighting through the process alone."
TESTIMONIALS
Real Families. Real Peace of Mind.
Before PolicyDoctor, I was honestly just hoping my family would find my policies. Now everything is organized, and they'll know exactly where to start.
Darlene
PolicyDoctor customer
More customer stories
coming soon.
More customer stories
coming soon.
FAQ
Common Questions
Usually, yes—if they know the policy exists, know where to start, and file the claim correctly. But the burden is on your beneficiary. The insurance company is not going to automatically show up with a check, remind them to start the claim, or gather the documents for them. That's why PolicyDoctor prepares everything in advance: where to go, who to contact, what documents they'll need, and how to avoid unnecessary delays during one of the hardest times of their lives.
During your free 30-minute Claim-Ready Review, we'll evaluate how prepared your family would actually be to file a life insurance claim if something happened to you.
If your current plan already checks every box, we'll tell you. If we identify any gaps, we'll show you exactly how to fix them. Then we'll build your PolicyDoctor Legacy vault live so you can see what a fully organized, claim-ready plan looks like.
By the end of the review, your vault is fully set up. Whether you decide to activate it is completely your decision. There is no obligation and no pressure to buy.
Yes. We understand you're trusting us with some of your family's most important documents, and that's a responsibility we take seriously.
Your PolicyDoctor Legacy vault is protected with bank-level encryption, and only you and the beneficiaries you authorize can access it. We never sell your information, share it with insurance companies, or allow anyone else to access your documents.
Trust is the foundation of PolicyDoctor. Every security decision we make is designed to protect your family's information until they need it—whether that's years or decades from now.
A will or trust is an important part of protecting your family, but it serves a different purpose than PolicyDoctor Legacy.
A will or trust explains who gets what. It doesn't tell your beneficiaries where your life insurance policy is, who to call, what documents they'll need, or how to start the claim.
PolicyDoctor Legacy makes sure they know how to get it.
Life changes, and your PolicyDoctor Legacy vault is designed to change with it.
Every year, we'll send you a reminder to review your vault. If you've purchased a new life insurance policy, changed beneficiaries, moved, or anything else has changed, you can update your vault at any time.
If you'd rather have a PolicyDoctor specialist update it for you, simply schedule a support appointment and we'll take care of it together. Your designated beneficiary also receives an annual reminder so they remember you've prepared everything for them and know where to turn when the time comes.
No. We help prepare your beneficiary long before they ever need to file a claim.
After you add your beneficiary, we'll invite them to create their own secure PolicyDoctor account. If they don't complete their setup, we'll personally follow up with them to make sure they're ready. Once their account is created, they'll receive annual reminders so they never forget where everything is or how to access it.
When the time comes, they simply enter the secure 4-digit code sent to their phone, log in, and everything they need is waiting for them. Their policy documents, carrier information, claim requirements, and first steps are all in one place.
If they have questions or would rather have help, a PolicyDoctor specialist is available to walk them through the process and help them begin the claim with confidence.
No. PolicyDoctor Legacy does not have a monthly subscription.
After your one-time $189 Claim-Ready Setup, ongoing protection is just $59 per year—about $4.92 per month—and it is billed annually.
That keeps your secure vault active and includes:
• Annual reminders for you and your beneficiary.
• Ongoing vault updates and support whenever your information changes.
• Beneficiary follow-up to help ensure they're claim-ready.
• Access to a PolicyDoctor specialist who can help your beneficiary begin the claim process when the time comes.
Finish the Job You Already Started
Don't leave your family searching. Give them the gift of clarity, organization, and peace of mind.
No credit card required to request your free review. If PolicyDoctor is the right fit, we'll help you activate your Claim-Ready Setup during the call.