|Question: How can I find out whether my deceased husband owned any life insurance?|
If your husband left a letter of instruction, read it carefully. It may help you determine whether he had life insurance. A letter of instruction is simply a letter written by or on behalf of the deceased. It enables a surviving spouse or other person to locate important documents such as bank accounts, life insurance policies, safe deposits, or collectibles.
If your husband died without such a letter and you are trying to discover whether he had life insurance, there are several things you can do:
Remember, the insurance company is not obliged to notify you about the life insurance policy even if you are the spouse. Typically, the insurance company does nothing until someone notifies it and files a death benefit claim. This is usually done by the owner (if not the insured), the beneficiary, or the estate of the insured.
Although the above is no guarantee of success, some investigation will give you at least a chance of locating an existing policy.