This is a technical question about life insurance. In my WIP the young adult son of a murder victim has cut off contact with his mother. He knows that his father has been murdered, but he does not know that he is entitled to a life insurance payout (that she is the "contingent beneficiary" for). A couple questions: Do insurance companies make any effort to contact beneficiaries? Would the insurance company make any effort to track him down? He is living and working in another state, but out of contact with his mother (she'd be happy to keep the $$ for herself if the insurance company is unable to locate him). How much time must elapse before they can move on to the contingent beneficiary (his mother), or must she prove that her son is dead before she can get his portion of the life insurance? (Yes, she is an evil, conniving mama--that's why he's cut off contact with her.) Appreciate comments from anybody "in the know"--not speculation. My attempt at internet search for answers was unsuccessful. Thanks.