Their job is to deny claims that are bogus, but they take it too far, instead attempting to deny all claims that they can get away with - whether bogus or not. They're hoping you'll give up. Prove them wrong and receive the benefit you bought and paid for. It was a contract for value, you provided them the value of your money, and in exchange they are required to provide you the value of the insurance protection. If they still resist, tell them you're next calls will be to the Attorney General for your state, the one for their state of domicile, and the US Attorney General, as well as the NAIC ( http://www.naic.org/).
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