My father died of cancer and left four life insurance policies that to this day have not paid out. Is it too late?

You need to take your paperwork to an attorney. If the primary beneficiary of your father's policy had predeceased him, the insurance company should make payment to the contingent beneficiaries named by your father. If there are no named beneficiaries, the policy should have been paid out to his estate. I do not know of any time limits.

Please do not hesitate to contact my office if you would like some assistance.