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Question for the Money Doctors

Question submitted on Dec 11, 2011.

Question

how can I find out if my deceased ex husband had life insurance policiey and if i am named on it

Answer

I am sorry for your loss.  Unfortunately, I can't give you a definitive answer, but I can give you some tips.  First, I would first check with your or your husband's financial advisor if you have one.  Even if this advisor didn't write a life insurance policy, he or she might be aware of what your husband had.  You should receive statements periodically from life insurance companies concerning a policy that is in force.  If you see one of these statements, call the number on it and explain the situation.  They will need a death certificate, but should at least be able to explain the policy to you.  

You may also check your payment history (either from bank statements or checking accounts) to see if there have been premiums paid to an insurance company recently.  He could have had a paid up policy, so there still could be other policies out there.  Next, I would ask any other financial professionals that your husband worked with about any life policies, and of course, read his Last Will and Testament to see if any are named.    

I hope this helps. 


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