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"How can I check if my hubby had life insurance coverage I don't know about," is a common question many surviving spouses have. Life insurance could be bought by way of a payroll deduction in the office or accompany various other invesmtent for example an IRA or stock purchase. It is common for that policyholder to never disclose the protection with an heir, a good wife. For some, it could look like bad luck. For others, a policy could have been established and before marriage. Recently I had a fascinating conversation which has a pastor regarding fund raising. We were exploring solutions to raise money for a few with the programs the church desires to implement. Because of my understanding synergy, I suggested that dealing with another charity would have been a approach to expand their donor base, improve their exposure and broaden their appeal.