Actually, the only person who can materially change an insurance policy (including beneficiary changes) is the OWNER of the policy, who may or may not be the INSURED. In any case, beneficiary disputes are not uncommon. Finding the original policy will not solve this sort of dispute, since the beneficiary designation may have been changed after issue and will not be evident on the original. The insurance company may have acted upon a legitimate request to change the beneficiary, and if so they will (must) have a copy of that change form, signed by the owner's. (A copy of that change was probably sent to the policy owner at the time of the change, but it may have been lost).

Term life insurance

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