My grandmother can't remember if she has an insurance policy. I don't know where to start?

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She is 93. I became her caregiver and POA after my sister passed in August.
I cant locate any of Grandmas documents.

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Sarah, run a free credit check on her, it may reveal assets and debts that got lost in the shuffle. Good idea to check with the NC pension board, they can also help you. The NC state insurance board can direct you how to conduct a life insurance search. Old tax returns may also be helpful, from the IRS.
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That she was employed by a state that's still here rather than a company that might not could make it much easier. States usually have benefit departments that could advise you whether there were any other benefits, such as a pension, that might not have been collected.

Good luck!
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Thank you both. All her papers were left with my sister. Unfortunately, when she passed her husband got rid of everything without consulting me.
She was employed by the State of North Carolina, I will start from there and the State Isurance Departments. Thank you for the advice.
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This is just a thought; I don't know if it would lead to anything or not but it might....Contact your state government and ask if they have an insurance division. Functions can include action against recalcitrant insurance companies, but they may also have lists of companies that have had active policies in your area.

Was grandmother employed? If so, she may have had a policy through work, and possibly continued it after retiring. You could contact the HR or benefits department of her last employer.
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Sara, I know this will sound crazy but some elders tend to hide what they think are important documents. Search even the dresser drawers, pull out the drawers and look underneath in case something is taped to the underside of a drawer....

Some elders also have bank safety deposit boxes, so you might need to call all the banks in your area and in whatever other areas your Grandmother had lived....

Some extremes, even look under the mattress.... under sheets and towels in the linen closet.... look in shoe boxes and hat boxes.... look behind pictures hanging on the wall in case she taped it there.... feel the back of any pictures to see if it feels like something could be between the picture and the backing. If Grandma lives in an older home with wide plank wooden floors, see if any of the planks seem different, meaning like one had been pried open.

It could be that Grandma never even had an insurance policy. Or if she did, she had stopped paying on it and it had been cancelled. Keep looking, you never know.
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