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You should phone the insurance company and ask them about it; make sure you have the insurance policy number on hand, they will need to know.

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Q: How do you find out what happened to the life insurance policy your grandmother had when she died and your cousin and yourself were beneficiaries but never saw the money?
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If you want to refinance your home and your grandmother is on the deed also but you pay the taxes and insurance can you refinance by yourself since you live there?

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