I have seen many questions here along the lines of either (a) a person died and had life , but I do not have the policy and do not know what company sold the policy, or (b) a person died and I do not know if that person had life .

How much of the profit that life make is because the company does not receive a claim when an insured person dies, either because the beneficiary did not know that there was a life , or because the beneficiary does not know what company issued the policy?