Is there a way to see if policy proceeds were distributed?
Let me start with the obvious. If you have an insurance company name, then you must have a policy number. Do you have the actual life insurance policy? If so, you will find the name of the beneficiary and possible contingent beneficiary on the copy of the original insurance application, attached to the back of the policy.
Your father died three years ago. Were the premiums paid through his death, or is it possible the coverage lapsed and there was no coverage in force when he died?
I suggest that you talk to the insurance company's claims department manager and explain your situation. If the company asked for a death certificate, then it must have set up a claim.
There are certain privacy laws that insurance companies have to respect, but I think you can at least be told whether or not the death benefit was paid to someone.
If a claims manager is unable or unwilling to help, try contacting your state insurance department to see whether it can track your father's life insurance policy for you.
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