Is it possible for someone to collect on a vivacity insurance policy to which I am the beneficiary.?
The insurance ocmpany says they cannot find the policy and I wonder if my half brother could enjoy done anything.
Nope, the check is ONLY written out to the beneficiary, and mail directly to them, also.
If the insurance company can't find the policy - you need to present YOUR copy to them. But it's HIGHLY unlikely they can't find a policy that's in force.
First, you have need of to find some kind of bonafide proof that the policy ever existed. Proof of payment (through checking or other bank records) or some kind of correspondance from the insurance company. If you are relying on the word of someone saying they made you the beneficiary on a policy, it's possible it never existed.
I strongly recommend that you contact a lawyer
Even expired policies are kept track of. If you telephone call the insurance company they can tell you when the policy ended.
The with the sole purpose person who can change a policy is the owner. The owner could be the insured or someone else.
Answers: What makes you think a policy existed ? Do you enjoy any papers? Can you look at the old checkbook and look for a premium payment later get a copy of the check to see the info on who cashed it and that should start the ball rolling.
If they cannot find the policy, probably your information is wrong.
It would single be possible if they represented themselves fraudulently. If the insurance company cannot find the policy, there probably isn't one. They don't lose track of those kind of things.