Dear Liz: My mother died last year. I discovered she had two old life insurance policies written by companies that no longer exist. How can I determine which modern insurance company is responsible for policies written by these old companies? How can I submit a claim? My mother was born in 1932. The first policy began 1939 for $350. The second began in 1943 for $600. Answer: It’s not a given that a modern insurer still has these policies, but it’s possible.
Unfortunately, not all financial advisors are truly qualified to give the advice they do. Some, particularly those advising people about 403 investments, are insurance salespeople rather than fiduciary financial planners. You can get referrals to tax pros from the National Assn. of Enrolled Agents and your state’s chapter of certified public accountants. Both enrolled agents and CPAs are fiduciaries who promise to put your best interests first.
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