How do I know if my deceased relative had money in their AFP or bank?

The loss of a loved one is always a difficult time and financial worries can add stress to the situation. If you wonder if your deceased relative had money in their AFP or bank, the Superintendency of Banking, Insurance and AFP (SBS) offers a solution. With the Informed Heirs service, you can access this information for free and easily.

This service has been making it easier for family members to obtain information about the deposits, insurance and affiliation to the Private Pension System (SPP) of their deceased loved ones. Below, we explain how to use Informed Heirs and the documents necessary to start the process.

How do you know if a deceased relative had savings in a pension fund?

The SBS provides various services to inform relatives about the financial situation of the deceased. Through Informed Heirs, you can request:

• Policy certificate: to find out if the deceased had any life or personal accident insurance. Maximum delivery time: 11 days.
• Proof of deposit: to know if you had fixed-term deposits, savings or other securities in the financial system. Maximum delivery time: 12 days.
• Provisional report: to find out if you were affiliated with the SPP and which AFP you were in. Maximum delivery time: 5 days.
• Debt report: to know the list of contracted credits and the rating assigned by financial entities. Maximum delivery time: 5 days.

What documents must be presented to access Informed Heirs?

To use this service, family members or heirs must present the following documents at the SBS offices or virtually:

• Application form available on the SBS website and offices.
• Simple copy of the applicant’s ID.
• Death certificate of the deceased.
• Certified copy of the declaration of heirs or will registered in Public Registries.

How to withdraw funds from a deceased person?

To access the deceased’s financial information, follow these steps:

1. Enter the SBS online services portal HERE.
2. Click on ‘Informed Heirs’ in this LINK.
3. Register or log in with your already created account.
4. Request the necessary information and make sure the documents are in PDF format.
5. If you prefer to do it in person, go to the SBS customer service offices or parts desk with the required documents.

The SBS has a free consultation line 0800-10840 and service offices in San Isidro and San Borja to resolve any questions you may have.

What happens if I do not have all the documents required to access Informed Heirs?

If you do not have all the necessary documents to access the SBS Informed Heirs service, you may not be able to obtain complete information about the financial situation of the deceased. However, there are some alternatives you can consider:

• Request a copy of the death certificate: If you do not have the death certificate, you can request a copy from Reniec or from the municipality where the death was registered.
• Obtain the declaration of heirs or the will: If you do not have a declaration of heirs or a will, you can begin the process of intestate or testamentary succession before a notary or in the Judicial Branch. This document is essential to demonstrate your status as an heir.
• Consult with a lawyer: A lawyer specialized in inheritance can guide you on the steps to follow to complete the necessary documentation and access the Informed Heirs service.

It is important to note that the SBS requires complete documentation to guarantee the security and confidentiality of the deceased’s financial information.

Can I request information about a deceased relative without being his direct heir?

Yes, it is possible to request information about a deceased relative without being his direct heir, as long as you have the authorization of the legal heirs or a court order that authorizes you to access said information. In this case, you must present the following documents:

• Authorization of Legal Heirs: A letter signed by all legal heirs authorizing you to request and receive the deceased’s financial information.
• Court order: If you do not have the authorization of the heirs, you can request a court order that allows you to access the information.

It is important to keep in mind that the SBS is governed by strict rules of confidentiality and information security, so it will only provide data to duly authorized people.