They are ****** my brother passed away in january this year and he was having life cover and funeral cover with 1 life but they said they wont pay the life cover because he didnt check hiv so it turned to accidental because of that

They are ****** my brother passed away in january this year and he was having life cover and funeral cover with 1 life but they said they wont pay the life cover because he didnt check hiv so it turned to accidental because of that.Now they are not paying the funeral cover they keep saying its still ln validation .What is so suprising is that they changed life cover to accidental but premiums remained the same and they said it was 800 and something.What is so painful is that my brother is not here to tell whether its true or false what they saying that he knew that if he doesnt do hiv test it will turn to accidental.At 1life they are ****** who ***** peoples money with **** policies that dont pay .If anyone joins 1life s/he must know that s/he is donating that money they wont pay her/him when s/he dies.Their service is extremely bad