My husband is deceas...

My husband is deceased.. He had a policy with 1life for years he has been paying... Was a accident / life policy.. I am the wife of the deceased and also the beneficiary of the policy. Sent death certificate and other doc to 1life only to tell me I cannot be paid cos it was a accident cover... How is that possible I don't get a portion of that money he has been paying for years... So wer is that money who gets the money. They are a real *******.