Did my father have a life insurance policy when he passed away?

If there was a life insurance policy, chances are that your grandparents were its only beneficiaries (if you were named as a beneficiary, the insurance company would not disburse the money to your grandparents without contacting your mother - unless, of course, one of your grandparents was your duly appointed guardian). Unlike most other assets, proceeds of a life insurance policy are not subject to distribution under the inheritance laws: the money goes to the beneficiary named in the policy, even if the beneficiary is not a relative of the insured; and that person has neither legal nor moral obligations to share any part of the payout with the insured's heirs. After all, this is what the insured wanted: if he wanted his heir to receive any part of the payout, it was easy to achieve by an appropriate designation on the policy.

Just because your father had a life insurance policy does not give you any rights to it as his child. The policy likely had a beneficiary designation and, it looks like it was for his parents.

It is probably too late.

You have to ask your grand parents what happened and if there was any life-insurance and to see the policy. He may have named only them as the beneficiaries of the policy, in which case only the would collect on it. Life insurance funds pass to the beneficiaries before any probate estate exists.

If they were entitled to insurance proceeds what business is it of yours., if you were not the beneficiary of any policy you get nothing. contact the company and ask.

To my knowledge, there is no data base for life insurance policies. You are going to have to go through your late father's personal papers in order to figure out if he took out such a policy.

Ancient history. Move on.

I would think if you were the beneficiary you would have had a conservatorship opened. If your grandparents received the life insurance proceeds they probably were the beneficiaries. Just being a child does not entitle one to life insurance where the insured life is their parent.