My Sister is getting the run around, Her son had a Insurance policy when he died, in Oct 06. She is being told it was just accidental insurance, But will are pretty sure it was Term. and they are just trying not to pay out, and not telling her the truth. He was paying to much for it to be accidental. I checked by calling the company and asking for insurance for my own Son with the same age. They said they don't advise accidental Insurance, at that age, Term would be better. What should I do to help her?
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I should add that I am trying to get a copy of the insurance, first they did not or said that they could not find his name then when they did find it 30 seconds later she said he would not have signed it that it was done over the phone, But he had to sign it because it was taken from him bank account, and my Sister remembers him sending back the policy. I think they are trying to say it was accidental insurance not term because then they would not have to pay due to how he died.. they would be off the hook this is not what he would want.. this is the Second Son my Sister lost She is going through enough.. Maybe they know people like her cant fight back.