My husband got a mortgage on our home in October 2007. He received a bill each month from an insurance company in the amount of $9.07 which he paid each month by check. He passed away in July 2010 and I continued to make these payments out of my checking account . I contacted the insurance company several weeks after his death to see what type of insurance this was - I assumed it was a policy on me as he told me he had one . According to them it was a term policy and the only beneficiary was our mortgage company. I had already paid the mortgage company off with the proceeds from his life insurance at work so the mortgage was paid in full. The insurance company asked that I send them a death certificate and a copy of the mortgage payment history and the amount that was due on our mortgage at the time of his death. I received a check from them this week - paid to the estate - but the amount was no where near what we owed on the loan at the time of his death. The policy had been in effect less than 3 years. I do not have a copy of the original policy and they did not send me one. How do I know it this was paid correctly - it seems to me if he had mortgage insurance it would have been for an amount equal to what was owed on the loan. Am I entitled to a copy of this policy or do I just have to take the amount they paid?
