Had told me some years back that she had a life insurance policy but I was called out the other day on Facebook and told I was a money hungry b**ch. I loved my mom, if I feel so wrong just for trying to find out if my mom left me and my brothers something should I just set back and let this woman have everything? Can I find out if there is life insurance? I only know my moms birthdate and name.
So, your mother died just over six months ago; not very long, but certainly long enough for anyone in charge of her affairs to have at least begun to settle them.
Asking what instructions she, your mother, gave is not rude, not unreasonable, and not "grabby" (as my mother would've called it). You should proceed on the assumption that it is FINE to ask.
Having said that, you also want to make allowances for people's feelings; so here go the questions. How long were they married? How did you and your brothers get on with your stepmother, were you even on the right sort of terms to think of her as your stepmother? What happened to your mother? - what did your stepmother go through, might she still be feeling very raw?
The Facebook incident you must brush aside. A reasonable question, courteously asked, does not deserve an insult in return. And asking what happened to your mother's estate - even if her "estate" amounted to nothing more than an old teddy bear and a typewriter - is very much a reasonable question.
So stay calm but stick to your guns in a low key way. You're not demanding cash. You're asking what happened. Do it nicely, and it's fine.
Don’t Use any that are dot coms.
As a beneficiary its your money. You are not obligated to pay for the policy holders funeral or debts. Had this happen to a friend. Her daughter was beneficiary to her policy. When she passed, daughter refused to pay for the funeral. It was a 100k policy. Also, you may not have to pay taxes depending on your state.
i am going to post a new topic on this. See what people think.
If you were mentioned in any Will the executor would have to contact you. Wills have to be filed so you could try to obtain that information to determine what was in the Will.