Liberty pulling liberties?

<p>I wrote a review last week about Liberty Life not paying out a claim after 5 months of chasing ghosts. No one has responded.</p> <p>I received an email from my broker today that my claim has been once again reffered to yet another department and that Liberty understand that it's taking longer than expected to assess.</p> <p>I want answers... If I die tomorrow, will they force my three year old son to cut my heart out himself as proof of death before they pay out the quoted percentage to cover my funeral?</p>