Hi everyone - Thank you for your advice. My friend was not with her spouse when he passed (she was in the US). He had an accident and died in a hospital. He dies last year. She is the beneficiary. She has the "notarized" death certificate which she gave to the insurance company, she also has official documentation from the embassy that she gave to the insurance company. She has supplied everything the insurance company has asked for.
She is going to try the State Insurance Commissioner and see if she can get anywhere.
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