<prompt> Human: So I received a letter from Lincoln Financial Group stating they needed to transfer ownership of the policy to me the insured. The thing is Im just now getting this letter 17 years AFTER my dad died. They wont tell me anything else because Im not listed as the owner of the account. They want my dads death certificate first.So, my question is this... Ive had a policy covering me in case I died for 17 years? Since Im insured by my husband, can I cash it out? Should I cash it out?  <response>: What are these theories you speak of, OP? 