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Claimant's opinion: Had information been given in timely manner situation would not have caused my expenditures/ traveling/ and not including my aggravation. They required me to furnish names, addresses, and Social Security numbers of all my siblings, a great concern in these modern times.
Having unfortunately dealt with several estates, I understand the confidentiality issues involved. It is also good that AMERICAN GENERAL LIFE INSURANCE COMPANY (AIG) reached out to the family in the first place, instead of letting them have to root around for the insurance policy.
However, this is a crazy case of bureaucracy run amok. When such a small sum is involved (and I am curious as to why there would be such a small sum involved, but that's a different question) there should be a process in place to ensure that beneficiaries don't have to go through this kind of thing.
Since AIG contacted the family instead of vice versa, clearly AIG had been informed of the death and knew how to contact the estate. There was no need to establish that the deceased was, in fact, deceased.
The executor has a duty to the estate to ensure that all monies have been recovered and accounted for--I'd be rather unimpressed if an executor would believe anyone who said over the phone, nah, not worth bothering with.
It seems to me that a life insurance company should establish a threshold under which they can disclose in writing the amount of the policy so that the heirs can decide if it's worth making the claim. This is particularly true if there's no question that the deceased is deceased and the estate is contactable. It is possible that insurance rules forbid this, but I doubt it - and if so, this is an absolutely prime example of why a provision should be written into any applicable law.
In my opinion AIG should pay at least the cost of the death certificate and mailing (but perhaps not the time requested) as a goodwill gesture - and more importantly, make sure this doesn't happen again.
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