"Insurance companies will be allowed to keep funds in unclaimed insurance policies and annuities for three years, under uniform rules being drafted by [Committee to Revise the Uniform Unclaimed Property Act of the Uniform Law Commission (ULC)]. However, they will be required to use the Social Security Death Master File (DMF) or a similar database.... The draft rules will include a dormancy period of three years running from the date of notice of death, unless the insurance company is unable to confirm the death[.]"