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Estates and insurance

Unclaimed inheritance in Canada

Independent, free guide. Not affiliated with BC Unclaimed or government.

Estates without known heirs, forgotten life insurance and bank accounts of someone who has died often end up with official programs. Executors and family can search for free.

Free to search. You can do it yourself. Official programs don't charge to search, and most charge nothing to claim (a few, like Alberta, may charge an administration fee). You don't need to pay a "finder". GuidePointBC links you to the official sites and doesn't keep your details.

Where inheritance money ends up

For a BC estate, our executor guide to BC unclaimed property separates the document lists and takes you to the official search.

BC Unclaimed

Holds estates, court funds and insurance money. Search BC.

Quebec register

Includes successions. Revenu Québec register.

Public Guardian and Trustee

Each province's office may hold estates of people with no will or no known heirs. Contact them directly.

Life insurance (OLHI)

Use the free deceased-person policy search. You need evidence a policy existed, and the death must be 3 months to 2 years ago.

CRA and bank money

An executor can claim CRA uncashed cheques and search unclaimed bank accounts.

CPP death benefit

Apply through Service Canada.

Settling an estate or helping a parent move?

Old accounts and policies often turn up while downsizing or settling an estate. In Greater Victoria, our senior moving introductions pilot can connect you with a local senior mover, with permission on both sides.

About heir hunters: some firms ask for a percentage of your inheritance before telling you where it is. You can claim directly.

FAQ

Frequently asked questions

How do I find an unclaimed inheritance in Canada?

Search BC Unclaimed or your province's register, contact the Public Guardian and Trustee, and use the OLHI policy search for life insurance.

Can an executor claim unclaimed money?

Usually, with proof such as a death certificate and the will or letters of administration.

Should I sign with an heir hunter?

You don't have to. Some charge a percentage of the inheritance, and you can claim directly.