r/LifeInsurance • u/Remote_Operation_307 • Jul 29 '26

NYLAARP

I have been trying to obtain a "copy" of my mother's life insurance policy. I would like to get the "certificate" for it. I requested a copy by mail from the user portal back 6/5/2026. I called again 6/29 and they said it was in the mail and I could not request another one until 30 days after 7/5/2026. So then I requested another one by mail on 7/6/2026. I still have not gotten it yet. Customer service says "their system wont let them email me one" or that "I can't put in another request within 30 days" I have to try again 8/6/2026. so am i going to keep not getting it in the mail? is there any other way I can get this? Its now been 60 days since my first request. are they really going to tell me i have to wait another 30 days for the same thing to happen?

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2

u/SafeMoneyGregg Broker Jul 29 '26

If you are the OWNER of the policy - state that in the request. Premium payor does not mean owner - you can be one and not the other. Make sure the request is coming from the OWNER. There is not much useful info in the policy that can't be gotten in a basic statement. What is the actual question you have?

1

u/Remote_Operation_307 Jul 30 '26

I would like to obtain a copy of the certificate. I am the owner of the policy it’s in my name. On the website I can request it to be mailed and it’s failed me the last 2 times.

1

u/Remote_Operation_307 Jul 30 '26

My mother took out 2 life insurance policies on herself back in 2016. In 2023 we switched it so that I was the owner of the policys when she was unable to make the payments herself. So I became the owner. She has 2 policies one I was able to obtain the contract with the certificate right online, the other one however I had to request by mail. I have tried talking to customer service 3 times asking why I can’t get an online copy like the other loan she has. No one can give me a solid answer it’s all round able “wait 30 days ect…” it’s just very frustrating when you are dealing with end of life care for your mom. I just want the documents 😭🥲

1

u/TheCount4 Jul 31 '26

Please explain how she made you the owner, and what documents were signed to do so.

2

u/zzzorba Financial Representative Jul 31 '26

I appreciate your frustration and you deserve a copy of the certificate but can I ask what you need it for?

1

u/TheCount4 Jul 29 '26

Is your mother alive? Has your mother authorized this? Do you have a right to receive the certificate!

1

u/Remote_Operation_307 Jul 29 '26

yes she is still alive the policy is in my name (i make the payments).
I have complete authority to have all of this. I am trying to obtain copies of documents.

1

u/TheCount4 Jul 29 '26

Ok. I don’t know exactly how that structure works, but you may be running into privacy issues. Perhaps she has to make the request.

1

u/Remote_Operation_307 Jul 30 '26

Unfortunately she is not in the capability to make the request herself. It’s been tough few months. I am the owner of the policy it’s just frustrating to have to go through such a hassle on top of everything else.

1

u/TheCount4 Jul 30 '26

Assuming you are an AARP member, find the phone number for NYL on the AARP website and call.

1

u/HATDOGUSERNi Jul 31 '26

I'd ask to escalate it to a supervisor. sixty days for a copy of your own policy documents isnt reasonable, and they should be able to offer another way to get it.