Legal Question in Wills and Trusts in California

Do you know which insurance company has the policy? You can contact them.

This is the proverbial needle in the haystack because if you can't find out the name of the insurance company and nobody will tell you, you're likely out of luck. However, the decedent should have received periodic statements from the insurance company, so if you are able to go over the decedent's financial records, you ought to be able to find out what insurance company to talk to.