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So you are telling me that LH is the only insurance company because of FCGS that will pay in 24 non contestble claims and no state certified death certificate needed? But on LH's website "file a claim" the certified death certificate is needed for claim approval!! Show the forum the link because it has to me made public?
After reading this, I can't believe you left!
http://www.producersweb.com/files/b/96/9687dbecccf0ae2cc31c580bbbdbfc5c.pdf