I work in the financial services industry. Not long ago a client told me a story about an unexpected windfall. A life insurance policy that she and her husband had surrendered for the cash value years before had a benefit that they hadn’t understood at the time. Part of the policy premiums they paid for years was invested in stocks or a fund that grew along with the death benefit of the policy. When the life insurance was surrendered that separate account was left untouched. Eventually her husband was diagnosed with a terminal illness, and before he passed away the family dealt with as much of his estate as they could. Somehow their names got on a list and they received a letter stating that, for a huge finder’s fee, a company would search for any unclaimed money in his name. […]