mom passed – mystery policy is surfacing?

I didn't even know how to Title this one. Mom passed earlier this year. I've been paying her bills for years and have never found any evidence of a life insurance policy. When she passed I asked her financial advisor if he knew of one so I'd be sure to order a death certificate for them as well but he did not know of one. Fast forward to a few weeks ago when I was forwarded "secondary addressee notice" in my mom's name. I called the company and explained that she had passed and nobody knew of a policy. The insurance company told me they would mail me "more information". Yesterday I received a letter advising me to have the beneficiary complete the "Claimant's Statement", but no other information. After a lengthy phone conversation, the only information I could get now was 1) a policy exists and 2) the beneficiary is my mother's mother — who passed over 20 years ago. I was instructed to forward a death certificate for both my mother and grandmother. So now I'm diving deep on the internet to figure out when my grandmother passed and figuring out how to order a copy of her death certificate as well.

Long story but now I'm at the point of wondering if it's even worth it to continue to pursue this. Seems like a lot of work that is likely to end up with likely nothing?

What are initial thoughts on this? And what other questions should I be asking or forward progress? My father is still alive so the fact that the beneficiary is my mother's mother makes me think she initiated this policy before she even met my father otherwise she would have absolutely named my father as beneficiary. I'm just curious what kind of rabbit hole of tedious work I've found myself in. 🙂

submitted by /u/Cold-Entertainer-618
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