There is no need to worry, if you cannot find the policies. A great deal of information is kept online and in other places nowadays, and things can be tracked down quickly. The time when you lose a piece of paper could destroy your plans, is over. Not only do they keep track electronically of the life insurance policy, they keep track how much it was worth, when it was purchased, what it was for, and the circumstances surrounding it. All you have to do is call the insurance companies that provided the insurance and let them know who you are. If you are, indeed, the beneficiary for the insurance of the deceased person, you will be in the clear. All you will most likely have to do is provide tangible evidence of who you are in relation to the person. Once all the paperwork and files are cleared, you will be notified that your benefits and claims are approved. Even, if you don’t know for a fact that your spouse had other people on the insurance, the company who insured the deceased will, in fact, have it on file. This will save you a great deal of hassle. Nobody needs to deal with any extra amounts of stress.