Legal Question in Insurance Law in Texas

I don't fully understand you question.

But, it is perfectly legal for someone to own a policy of insurance on another person's life, and that person can keep a copy of the insurance policy.

I am not sure how keeping a physical copy of the insurance policy could prevent the true beneficiary from getting the payout. The insurance company will make the payout to the beneficiary even if the beneficiary does not have a copy of the insurance policy.

No one can legally "forge" someone's name to a document. It is not proper to sign someone else's name to a document without permission, which would include a power of attorney.

I don't understand your question about social security number and drivers' license number being used as proof of identity; they are both sometimes required as proof of identity.

Good luck.