Great grand mother just died, We do not know where her life ins policy papers are or even the company?

Question

Anyone know where to go from here, I have looked on every website & the statet of Michigan claim that they cannot locate anything. Thanks

Answer 1

You should call any attorney she may have known over her lifetime- if they are still alive. If still no leads, she had to do her banking somewhere- the executor of the estate should go to her bank with the proper documentation and ask to speak to the branch manager- it is very possible that she had a bank deposit box and that is where her valuable papers are. If not, then you will have to have the executor get copies of ALL her past bank statements in order to find a payment to an insurance company for the insurance and from there you will find the policy----did you check everywhere in the house? Elderly people used to hide papers in their jewelry boxes- in the bottoms under the velvet, or under shelf paper in the cupboard, in with the silverware, in the mattress and in hat boxes.

If any of her friends are still alive, they may be able to give a clue as to what company she did business with.

Wouldn't it be nice if the insurance companies were honest and came forward when they read the obituaries?---Never likely-- my aunt was killed by a car and had two policies, one the family did not know about. 3 years later my uncle found it and it was double indemnity- which meant her family received double the face value because she was killed by accident.

Oh, just thought about it, if she lived in a nursing home- they would have record of it- if she was in her own home-- find her homeowners policy and I'll bet it was the same insurance company.

Sorry for your loss.........

Answer 2

Has the executor or executrix or her estate checked with her banking institution to see if she had a safety-deposit box there? Many people keep those types of papers in one. If she had a life-insurance policy through prior employment, you can start with their benefits department - or if she had a late husband who's policy was carried over to her through his former employer. There are also internet sites (it will cost a little money) where you can search databases listing the names of insured parties of many, many life insurance companies. If the executor of her estate has an attorney, the attorney can perform this search as well.

Answer 3

If you know the name of the insurance company that she was insured with you can call them & tell them that her insurance policies was lost & you need a copy. And if the company has a copy of her policies they will make a copy of each policy that she has with them & mail or fax it to you.