by confused » Thu Oct 25, 2007 07:25 pm
When my ex-mother inlaw passed away it was a big mess, everyone fighting over money, etc. We find it bizzare that she didnt have any life insurance policy for her grandson (my son). Is there anyway to find out? We don't speak to any of her family members.
Posted: Thu Oct 25, 2007 08:23 pm Post Subject:
Hello Liza and welcome,
There have been a few other questions regarding this same topic, I'll try and find them and post them here.
If there is zero contact with her and her family Liza what would make you think she'd leave your son her life insurance?
Basically, if your son was named as a beneficiary they insurance company has a duty to attempt to find/contact him, if a claim has even been filed against the policy. Your son cannot ask his father? Do you have any information at all? Would it be possible to contact the funeral home that handled her burial and see if they have the information?
In the meanwhile I will try and find the other posts that related to this topic.
Posted: Thu Oct 25, 2007 08:27 pm Post Subject: related posts
http://www.ampminsure.org/start/about3199.html
Posted: Thu Oct 25, 2007 08:28 pm Post Subject:
There is/was zero contact with her family, i.e., brother, husband, etc. She was very close to me and her grandson. Once she got really sick and they knew she was dying, they didnt let me go near her. My son was very young (7) when she passed away. She did everything for him, she helped me pay for his clothes, school, etc. His father didnt do anything for him so she stepped in. His father might not even know because I dont think she would have told him in fear that he might try to take it from him.
Posted: Thu Oct 25, 2007 08:29 pm Post Subject:
another, it wouldn't let me 'edit' and add this to my last post...... :x
http://www.ampminsure.org/start/about3262.html
Posted: Thu Oct 25, 2007 08:37 pm Post Subject:
Once she got really sick and they knew she was dying, they didnt let me go near her.
That poor woman, I'm sure more than anyone she wanted you and your son when she was so sick.My son was very young (7) when she passed away.
How long has she been gone?She did everything for him, she helped me pay for his clothes, school, etc. His father didnt do anything for him so she stepped in.
You were very blessed to have her.His father might not even know because I dont think she would have told him in fear that he might try to take it from him.
Wow really? A father take money from their own son? :cry: :roll: I just don't understand that....Answer the questions also what state are you in? Did she have a surviving spouse? Who would've been 'next in line' for her estate? Children, sisters, brothers, other grandchildren? Did she (that you are aware) have a will? What has become of the rest of her property, house, furniture etc? You might want to start with your county court house and see if there is a probate case. Do you have anyone at all that is maybe friends of that family that can 'get' information for you?Posted: Thu Oct 25, 2007 11:58 pm Post Subject: Life Insurance
Hi Liza,
Sorry for your loss.
Lori is doing an excellent job of doing everything we can do here, but I just wanted to throw in my 37 cents worth, if you don't mind.
Was your son the only grandson?
A 7-year old can not receive the proceeds of a life insuranc policy, so if there was a policy, either a trust or some adult would have been the beneficiary.
I wish you luck in your search and I'll turn it back over to Lori.
Posted: Fri Oct 26, 2007 02:03 pm Post Subject:
We live in New York. She had another grand son but my son was her life. She died in 2002 on Christmas. She always told me not to worry that the baby was taken care of. When she died, her sons ended up suing the husband for part of a property in Maine. It was really ugly and trust me, if she did have any life insurance for the baby she probably wouldnt have told anyone. She had a lot of problems with her family because of all she used to do for me and her grandson.
Posted: Fri Oct 26, 2007 02:22 pm Post Subject: Life Insurance
Good Morning Liza,
I was thinking about your situation last night and I just wanted to add a few more comments.
I have no idea what this lady's financial condition was, but it appears that she owned different pieces of real estate.
Many grandparents who want to make sure their grandkids are cared for set up a trust, either with their attorney as trustee or with their bank.
Here's the hard part - If you are not the executor of the estate, you will most likely not get very much cooperation from her attorney or her bank.
There could be a safe deposit box at the bank. Grandparents, in their efforts to do good sometimes make things more complicated than they really should be.
So you need to know who the executor of the estate is and please don't publish any names here.
If you are on good terms with the executor, then just maybe you can get your questions answered. If not, you may have to seek legal advice yourself, but remember, there may or may not be anything there.
Posted: Wed Oct 31, 2007 12:15 am Post Subject: Sorry, been in depositions and could not get to this sooner
The most reliable source for information on a missing policy is www.mib.com. It might cost you a little but no one is better. I use them all the time.
Post edited - Evan
Posted: Wed Oct 31, 2007 06:20 pm Post Subject:
Wow tough situation...you will have to do some digging...maybe vist the banks where she was a client at and again if you know her attorney or any of her close friends that might of had some informaiton on what she might have done. THe MIB might help but I am not sure how that site works or how much info it will get to you.
The executor is your best bet beacuse they would have gone through all the paperwork at her house when she passed away....the only other thing would be to start calling life insurance companies and see if they have any info if you have her ss# they may be able to tell you something but that will take some time....Good Luck.
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