So sorry for your friend's spouses passing. So a death claim with an insurance company will be investigated in the first two years of the policy. Few things they will look out of course is foul play. They also match up cause of death with answers on the application and see if any answers were "untrue" or misleading to the Underwriter reviewing the application. The fact that the individual died overseas also adds an element of "investigation." As long as everything adds up, the insurance company will play the claim. Claims can take up to 6 months. Not sure where your friend is in the process. A few back and forth is no cause for alarm. Now, a denial is obviously a big thing. At that point, you MUST hire an attorney. Until then, have your friend just comply with the requests and give them a call every couple of days for an update. If you need any help, send me a PM. Good Luck! Have a blessed day
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