How to get your financial house in order before you die

Source: Michelle Singletary, Washington Post (Paid Registration)

Life insurance payouts all too often go unclaimed because beneficiaries aren't aware of the policies, according to the National Association of Insurance Commissioners, which established a search tool to help consumers find lost life insurance policies and annuities (https://eapps.naic.org/life-policy-locator/#/welcome).

To make things easier for your family, put together a binder -- or just write a letter -- detailing what you own and owe. Here's a list of the many documents people need to know about.

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