I have a follow up question. My father passed and left a small insurance policy. I sent the policy in to the company. They sent me a generic letter stating that it had expired or was cashed in which was ridiculous without providing any evidence. I have since then told them unless they provide me with some evidence--this is a large insurance company, I will contact my attorney general. I am resending a copy of the insurance policy but they told me they only have to keep records for 7 years. I am just wondering if this is some kind of "scam" where companies can buy policies then tell people they're expired. Any suggestions? Thanks.