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Her estate has never been settled.

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Another source would be your parents income tax returns. If the mutuals are producing dividends or cap gains, the distributions be reflected in at least the end of the year statements.

If you can't locate the tax returns, I believe the IRS would furnish copies, for a charge.

There are some helpful answers on locating insurance policies here:

https://www.agingcare.com/questions/-find-out-if-my-mother-has-a-life-insurance-policy-146651.htm
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lilnezzi2, who handled your mother's mail prior to her passing and afterwards? Usually a mutual fund will send out out monthly or quarterly statements.

As for the life insurance, did your Mom work for a large corporation? Some large companies will have a life insurance policy on their retired employee that will go to the family upon death. I was surprised when I called "benefits" to stop my Dad's pension check to find out the corporation had an insurance policy for my late Dad.

Otherwise, if your Mom's passing was recent, some elders keep insurance policies and stocks in a bank safety deposit box, or in a strong box at home. Some elders might have used a stock broker that holds the stocks/funds/bonds... then again, there would be monthly or quarterly statements.
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Did she have a POA to help with financial business? Does she have a trust? Or a will? Get a copy of her death certificate. Are there siblings or a spouse? If no will only option is probate and you will need an attorney to assist.
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If you have the paperwork, start with the names and contact details on there. If not, how and what do you know about them?

I'm sorry for your loss: when did your mother pass away? Did she leave a will?
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