Sorry Felicia, didn't mean to suggest you had dark motives.
My husband collects SS from the US and they do check in with you once in a blue moon to see if you are still at the same address and still living overseas.
We went into the SS dept. here in HU at the US embassy. I was slightly surprised they had Hungarian nationals working in that dept. who really didn't know a whole heck of allot about SS. They just gave us forms and we contacted SS directly on the phone from HU to the US.
My husband thought about getting life insurance here in HU but have dropped the subject.
I would suggest contacting an insurance co. here in HU before making big plans however. Not sure what sort of physical they would need and I am pretty much sure the pay outs here would not be anything close to what is offered in the US in the way of life insurance policies.
I have no idea though, if you find out any info o life insurance here in Hu please forward the info onto us ex-pats.