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My father in law was drowned and lost at sea in 1972. My husband has been notified that there is unclaimed insurance money in his fathers's name. In order to claim this insurance they are asking for a death certificate. I applied at vital check for a death certificate and they said there was none found. Is it possible that a death certificate was never issued? If so how can one prove his death. I have obituary info, but they also want a death certificate.

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As said, if no body found, no death certificate is issued. You may have to go thru the process of declaring him dead if it wasn't done prior. Did MIL remarry? To do so, she had to declare him dead.

You may need a lawyer for this.
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Your husband's family probably should not have waited over 50 years to get a copy of the death certificate. An already difficult process will now be 10 times harder.
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Lost at sea is lost. It isn't dead. In order for a death to be declared a legal action needs to be taken, usually after a certain time frame (often 7 years) according to the state.

See an attorney to do the process of declaring the death and filing a death certificate with the state according to the state's legal requirements.
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Your husband might have to initiate a death certificate process. But it’s very possible you are looking in the wrong place.
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What entity or municipality declared him dead?

Without a body, there may not be a death certificate.
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