Many years ago, before I was handling my mom's finances, her insurance agent advised her to put some inheritance into an annuity fund. I was aware of it, but since I was not really involved at that point, I didn't pay much attention. She received a small deposit into her account monthly. I really wasn't aware of how much she put into the annuity. By the time I took over her finances, the agent was no longer with the company and the financial institution that originally held the annuity was apparently taken over by Natiinwide. When I attempted to track down her account, I hit dead ends all over. Now that she is deceased, I received a letter saying that the financial institution who now holds her annuity learned she was deceased and will now stop making annuity payments. There was no information regarding any remaining balance. If she is deceased, the letter said, I should just file the letter. But what if there IS money left? Even a few hundred would help to pay her final expenses. I was also told I'd have to return any payments made after her death. This wasn't "free money". It was hers. Am I missing something here?