My father died 4 months ago and I was wondering if it's too late to collect his life insurance or 401k.

I don't know if he even had this. How would I find this information out? My dad had no official will and I'm next of kin. How would I even know what life insurance company to contact and brokerage for the 401k assuming he had one? And if my father owed debt to the IRS would they garnish any of these assets?

Location is Virginia