We used Neptune when Mom passed. She had purchased it years ago. No problems and they were pleasant to work with. She died at the hospital and found out that the attending Dr. had to contact Neptune. If someone dies at home, some official like an EMT would have to speak to them. I bought their policy when we moved here 14 years ago. We recently bought a policy for my husband at Baldwin. They were so much cheaper and their reviews are good. We have the worldwide coverage in case he were to pass while away from home.
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