Q: How can I find a missing insurance policy? I have searched retirement and bank account holders.
I cannot find the policy and have searched her retirement and bank accounts. I was her conser/guardian and completed the probate process in 2014, A sister also came in and helped with caretaking after mom was diagnosed with dementia and deemed incompetent in 2011. I suspect this policy was changed to just her name , omitting the other four siblings. She is not concerned about finding this missing policy. She's in agreement with the existence of the policy but claims to not know who holds it. What can I do.
A: I would suggest looking at her tax returns to see if the insurance company provided any documentation of interest or earnings. If you are still the conservator, you could send your letters of authority to the biggest insurance companies to see if they have any records. Many times a policy will be sold by a financial planner or insurance agent. If you know of one your mom worked with you could contact them. Otherwise, you can look through her records and documentation in the home and see if you can find any names.
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