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@sunshine27 If she was making monthly payments on the premium for the policy, then after she died the monthly payments stopped and the insurance company may have decided that she lapsed on the policy, although they didn't know about her death. You can file a complaint with the Arizona Insurance...

@chamomiletea What country does she live in? Why does she not have a bank account in the city where she live in? How much is the check for? Are there no check cashing places in the city where she lives? Look at the first set of routing numbers on the check (if I am not mistaken, it will be...