they dont have to lift a finger to do any investigation. All they do is email you and have you obtain the proof. What senior citizen doesnt have some level of coronary arty disease...like hardening of the arteries.

But the insurance company can just sit on their ass why they send you out to optain the proof. They dont need to hire investigators. They have the spouse or the children to run those errands if they want to be paid.

and as they are provided witht he documents they asked for........then they can ask for other docs.....and at worst the company pays off the policy but was able to keep that money interest free that was your familie's property earning interest for the company while this plays out for thousands and thousands od people