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If your mother passed away more than a few years ago, benefits may have already been turned over to the unclaimed property office of the state where the policy was purchased.
Go to missingmoney.com, a website of the National Association of Unclaimed Property Administrators, to search records from 38 states and the Canadian provinces, Puerto Rico, and the District of Columbia. The pull-down menu under Links connects you to a map and addresses for unclaimed-property agencies.
If your mother passed recently and you have the authority, search her files for a policy, records of premium payments, or bills from an insurer.
Contact her employers, labor union, or even fraternal order to check for policies. Find and open safe-deposit boxes. Monitor the mail, e-mail, and online banking and bill-payment services for premium invoices or whole-life dividend notices.
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