My wife had a 50,000 dollar term life policy. I lost her on 07-18-19. On 08-19-19, I get a check for 15,000 dollars titled as "Emergency Funds". I was told to complete their claim form and send in an original death certificate. I do this and wait a reasonable amount of time. By this time, three other insurance companies had already paid in full, no problem. After no check comes, I call them. I'm told that it never arrived. I ask for them to send me another claim form, guess what? It never arrives. So, I call back. I'm told that yes, they have my claim form, but she could not tell whether they had the death certificate. They were in the same envelope. She would call me back the next day. Well, no call. I've never seen such a case of stall tactics and excuses ever in my 55 years! By the look of other reviews and BBB complaints, I do not seem to be alone. I have already been in contact with the VA Bureau of Insurance. Since I live in CO, the Insurance Commissioner here will be my next step if I don't get a resolution in this case.