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It depends on what policy it is. If it was a whole life policy for which all premiums were paid promptly as agreed in the policy document, then Yes, you can cash it in after the death of the policy holder. For any other type of insurance policy, I would assume the policy has expired or lapsed by now since we are nearly 25 years ahead from 1987. So, in that case you cannot cash in the policy.

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10y ago
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13y ago

I did it. Phone the company or its successor. Ask the SURRENDER value and the face value, and the loan value.

Ask for the largest of those, and pocket the cash.

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Q: How can I cash in a 53 year old insurance policy from Life and Casualty Insurance Co.?
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