A program of Sixth Sense Institute, Inc. — A Delaware Nonprofit Public Health Organization
Incorporated May 7, 2026
Life insurance, finally delivered

Your family
gets paid.
Even if they
never knew.

Policy Locker finds your life insurance when it matters most — so the people you love receive every dollar you intended for them, guaranteed.

Get a free quote See how it works
70%
of death benefits
go unclaimed
$700B+
in benefits never
collected
97%
of your benefit
to your family
Start here
Get your free quote
60 seconds. No obligation. No upfront cost.

Free to enroll. 97% to your family (standard). 90% with Instant Transfer. Zero cost if we don’t collect.

70%
of US death benefits go unclaimed every year
$1T
estimated accumulated unclaimed benefits
280M
life insurance policies in force in the US
$0
cost to your family if we don’t collect
The problem no one talks about

Billions in life insurance disappear every year. Yours doesn’t have to.

70%
Of death benefits go unclaimed
Most families never know a policy exists. Grieving and overwhelmed, they don’t know where to search — and insurers aren’t required to find them.
$1T
Estimated accumulated unclaimed benefits
Decade after decade, unclaimed benefits accumulate on insurer balance sheets. That money was meant for your family.
0
Institutions proactively delivering benefits
Until now, no organization existed to systematically find deaths, file claims, and deliver benefits to families who didn’t know to ask.
“
My father paid premiums for 22 years. We found the policy three years after he passed — by accident, in an old filing cabinet.
— A story we hear every day
$700B+
in death benefits paid out annually — 70% of which may never reach the intended family
The solution

How Policy Locker works

01
Get insured & enroll
Get a new policy or switch your existing one. Then enroll in Policy Locker — a binding agreement naming us as beneficiary of record with a guarantee to pass 99% to your intended family.
02
We monitor. You live.
Policy Locker actively monitors federal death records on your behalf. When the time comes, we know. Your family doesn’t have to search for anything.
03
Claim filed
Upon confirmed death we file the claim with your carrier within 10 business days — without your family needing to know who to call or where to look.
04
Your family gets paid
Standard: 97% of the full death benefit wired tax free to your family — Institute retains 3%. Instant Transfer: 90% paid immediately — Institute retains 10%. Zero cost if we never collect.
For insurance agents

Close more policies with a pitch no one else has.

Every client wonders: “What if my family doesn’t find this policy?” Policy Locker answers that question — and gives you a close competitors cannot match.

A differentiator no competitor offers. Clients get the policy AND the guarantee their family collects.
Additional referral revenue on every Policy Locker enrollment alongside a policy.
Backed by a nonprofit institution. Sixth Sense Institute gives your clients institutional credibility and peace of mind.
Partner with Policy Locker
The close that changes everything
Say this to every client
“And with Policy Locker, your family will receive this benefit — even if they never find this policy.”
Policy Locker is a program of the Sixth Sense Institute, Inc. — a Delaware nonprofit public health organization. Our institutional structure gives your clients confidence this is a mission-driven service.
The Policy Locker guarantee

A contract that puts your family first.

When you enroll in Policy Locker, you sign a legally binding tri-party agreement between you, Sixth Sense Institute, and your intended beneficiary.

1
You name Policy Locker as beneficiary
A standard beneficiary designation change on your existing or new policy. Takes minutes with your carrier.
2
We sign a binding agreement
Sixth Sense Institute is contractually obligated to pay 97% of any collected benefit (standard) or 90% (instant transfer) to your named intended recipient. Enforceable. In writing. Enforceable. In writing.
3
We monitor and we act
Using federal death records and authorized mortality databases, we detect when a claim should be filed — and file it without your family having to ask.
4
Your family receives 97% (standard) or 90% (instant)
Standard disbursement or instant transfer. Sixth Sense Institute retains a 3% standard Administrative Recovery only upon successful collection. Instant Transfer option available at 10% for immediate payout.
What the agreement guarantees
97% standard / 90% instant transfer — in writing
Standard: 97% to your family, 3% to the Institute. Instant Transfer: 90% to your family, 10% to the Institute — paid immediately.
Proactive claim filing
We detect the death through authorized federal databases. Your family does not need to know where to call.
Instant transfer option
For qualifying policies, elect to receive funds immediately — no 30–60 day wait.
No upfront cost — ever
Sixth Sense Institute earns a small administrative recovery only when we successfully collect. Zero cost otherwise.
Start today

Don’t let your policy become a statistic.

Get a free quote in 60 seconds and enroll in Policy Locker. Your family deserves every dollar.

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