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Ask the Life Insurance Expert

I am 26 years old my mom just passed and I am on SSI and SSD my dad said my mom had a life insurance policy but it all goes to him. They are divorced.

First, sorry about your mother.

Unfortunately, if she never changed her beneficiaries, he may very well be the sole beneficiary. It doesn't matter that they're divorced. It wouldn't even matter if they didn't get along -- the policy is a legal contract and the insurer is obligated to pay the money to the person(s) named.

If you know the name of the life insurance company, you could contact them and inquire as whether you were named. Or, if you are named, the insurer might try to find you once they receive the claim from your father.

Last updated: Feb. 1, 2013