WHO WE SERVE
One data asset.
Seven very different reasons to buy it.
Some clients buy mortality data to stop losing money. Others buy it to find money. The file is the same — the workflow, the output and the proof we hand you are not.
Banks, Credit Unions & Fintech
Accounts stay open after death — exposed to transactions, ACH pulls and account takeover, while deposits quietly leave for an outside institution.
What drives the spend
KYC/CIP obligations, escheatment deadlines, synthetic-identity charge-offs, and examiner questions about dormant accounts.
how we fit in
Screen new applicants in real time, sweep the existing book monthly, and get an alert within days when an account holder dies — with the surviving next of kin identified.
“Verify a customer is alive before you approve the loan, release the wire or add the authorized user.”
Deposit Ops
Fraud & Risk
Compliance/BSA
Wealth & Retention
Life Insurers & Annuity Carriers
Policies mature into unclaimed benefits nobody claims, and annuities keep paying long after the annuitant has died.
What drives the spend
State adoptions of the Unclaimed Life Insurance Benefits Act require regular death-file comparisons against in-force policies, then a good-faith effort to find the beneficiary. Market-conduct exams check the work.
How we fit in
Scheduled sweeps of in-force policies, contracts and retained asset accounts, with documented match evidence and beneficiary location on every hit.
“Stop the overpayments and find the unclaimed policies before the state auditor does.”
Claims
Compliance
Unclaimed Property
Actuarial
Pensions, TPAs & Plan Sponsors
Every month a deceased retiree keeps receiving a payment is money that is difficult, sometimes impossible, to recover.
What drives the spend
Fiduciary duty, DOL expectations on missing participants, and SECURE 2.0 rules that limit what you can claw back after the fact.
How we fit in
Death audits across retirees, deferred vesteds and beneficiaries — plus continuous monitoring so you find the death in the month it happens, not at the next annual census.
“A death audit that costs five figures routinely uncovers six figures of overpayment.”
Plan Administration
Fund Trustees
TPAs
Actuaries
Legal, Probate & Asset Recovery
A claimant dies mid-matter, or an estate has real assets but no real property — so nothing shows up in the usual probate search.
What drives the spend
Settlements cannot be distributed without a legal representative; unclaimed assets escheat to the state on a clock.
How we fit in
Deceased plaintiff verification, executor and next-of-kin location, and early identification of decedents whose estates contain financial assets rather than a house.
“We locate the legal representative so your settlement or claim can proceed.”
Mass Tort & Class Action Claims
Estate Attorneys
Heir Finders
Asset Recovery Firms
Collections, Servicing & Recovery
Calling a dead person's family is a complaint, a lawsuit and a brand problem — and the debt still needs to be worked.
What drives the spend
The FDCPA sharply restricts who a collector may discuss a decedent's debt with; mortgage servicers additionally owe duties to a confirmed successor in interest.
How we fit in
Scrub the portfolio before it hits the dialer, flag decedents for the estate workflow, and identify the personal representative to contact instead.
“Stop calling dead people. Identify the estate and collect legally.”
Debt Buyers
Agencies
Mortgage Servicers
Auto & Card Recovery
Healthcare & Research
Out-of-hospital deaths never make it back into the chart, so records stay open and outreach keeps going to the family.
What drives the spend
Registry accuracy, study cohort integrity, and the reputational cost of a recall letter addressed to a patient who died last spring.
How we fit in
Periodic mortality screening of patient panels, registries and study cohorts, with dates of death for outcome analysis.
“Close the record before your outreach embarrasses you.”
Health Systems
Payers
CROs
Academic Registries
Marketers, Nonprofits & List Processors
A few percent of every mailing goes to someone who has died — wasted postage, and a letter that lands on a grieving household.
What drives the spend
Cost per piece, deliverability, donor relationships, and complaint volume. For nonprofits the surviving spouse is often still a donor.
How we fit in
A monthly deceased suppression file, or file processing on our side, refreshed far more often than the standard suppression products.
“Remove the deceased before you print. Save the postage and protect the relationship.”
Direct Mail Agencies
Nonprofits & Universities
Catalogers
List Brokers
We are here to help!
Multi-source death data, matched, scored and audit-ready.
Looking for inherited real estate leads? Our sister service, InheritedData, matches the same death data to property records for real estate professionals.
Copyright 2026. Realty Mitigation Services, LLC. dba Deceased Intelligence Services. All rights reserved.