It is important to know what the insurance that you buy actually covers. There are many companies out there with all level of insurance and some are better than others. And not every situation is covered by insurance. These are all tough lessons to learn and we get better with each experience. I understand your disappointment, and I am sorry that you can not see yet that companies are not obligated to take a loss because of someone's personal issues. I imagine that with the hundreds of thousands of people that they get, that family deaths happen frequently. No business can run like that.