Am I entitled to part of my moms life Insurance?

Please accept my condolences on the loss of your mother. As to your question, if your stepfather is listed as a beneficiary on your mother's life insurance, then he's entitled 100% to that portion of the proceeds. You are not entitled to any proceeds from a policy that named him as the only beneficiary. If you and he are both listed as beneficiaries on a given policy, then you would be entitled to your share, and he would be entitled to his share, in general. There is an exception for employer-provided life insurance (and other employer-provided benefits) that are subject to a law called "ERISA." If a policy is subject to ERISA, then even if your mother designated you as the only beneficiary on that policy, your stepfather, as your mother's spouse, will actually BE the beneficiary UNLESS he signed a separate written consent to allow you to be named as the beneficiary. If your mother named you as a beneficiary under a life insurance policy on her life, then normally you would receive something directly from the life insurance company, asking you to provide certain documentation and fill out a claim form, and you would then receive your share of the proceeds directly. They generally would NOT pay your stepfather any portion of your share unless he was able to successfully commit fraud against the company somehow. If you believe you were the beneficiary on a life insurance policy, you can contact the company yourself and they should be able to confirm whether you are a beneficiary and what your share of the proceeds is. If for some reason it does turn out that an insurance company improperly paid your share of proceeds on a policy to your stepfather, then you will need to explore your options for recourse. If there was no fraud, however, then your stepfather has done nothing wrong in claiming benefits to which he was entltled. Please consider hiring an actual probate attorney for a consultation. The attorney should be able to review whatever documents you have and help you figure out whether you were a beneficiary of a given policy, and, if you have not received benefits to which you were actually entitled, to help you address that situation.   Best wishes to you.

If you were a designated beneficiary, your interest in the life insurance should be payable to you on presentation of identification and a death certificate.  It is very unusual for a company to pay one beneficiary and trust that he will pay the other(s).  Please contact the company.