Yes, ownership can be changed on the policy. Your mother would need request it but if you have POA you can send probably send a request to the company asking for them to send you the paperwork needed to make the change along with your POA. Make sure you send the entire document and sign the request with your name as POA.

If you look at a statement it should say Whole Life, Traditional, Term, Universal or Variable Universal Life something along those lines. It's usually at the top around the policy number.

The riders are good. Waiver of premium can be applied for if the insured becomes disabled and cannot make the premium payment. Paperwork needs to be submitted by the insured and their doctor then the company reviews it. I'm not as familiar with Accidental Death but I think the company will pay additional money to the beneficiaries if the cause of death is an accident instead of disease..natural causes...ect.

Sorry I took so long to get back to you...my sister moved so I have been busy:)

Hope this info helps and let me know if I can help with anything else.

Suzanne
***********
T1 SCC on right side of tongue
Age 31...27 when diagnosed
4 partial glossectomies
No chemo or radiation
Biopsy on 2/2/10-Clear
Surgery needed again...no later than April 2011
Loving life and just became a mother on 11/25/10
It's not what we CAN'T do..it's what we CAN do:)