Worst of them all. I hate companies like these

Guard Risk and Capital Legacy say they won't pay my claim because they do not because my brother is dead. My brother has passed away for months now and they still don't believe me when their competitors like Old Mutual have paid the claim. Please don't take up and of their products it will help you. I am enough with these two companies. Maybe I should dig up my brother and take him to their office as proof maybe.