How do you find deceased parents life insurance?

The easiest first step is to search where important documents were retained, such as a safety deposit box. You may also want to review cancelled checks for the few years preceding their death to determine if premium checks were issued to a life insurer. If the policy(ies) was/were fully paid-up, you may not find recent checks.

If your parents used a financial planner or even an accountant, he/she may have information. Likewise, sometimes a homeowners insurance agent may also have sold life insurance (for example, State Farm does), so you will want to research that.

You have not stated how long ago your parents died, but if it was some time ago, and they did have life insurance, the insurer may have reported proceeds to the unclaimed property authorities of the state in which they lived. You can generally check on line under the name of the property owner. Under ordinary circumstances, the person who purchased the policy (presumably your parents) will be shown as the owner.