No Claim payment by Old Mutual after husband dies.

We took out a life insurance policy in 2009 from a broker of OM . In 2018 my husband passed away in an accident. Now OM refuses to pay out. Their Internal arbitrator stares himself blind in one page that the coroner wrote , and she has various different versions of the incident. The more I try to make then understand what happened that day the more I get referred back to the one page that she wrote. OM keep on saying I did not do enough to proof it was an accident . His pension fund was invested by them as well, I had to threatened them with a court order to pay his pension fund out to us . The broker promised the day he took the pension money that if anything happens to my husband the pension fund will pay out immediately. Not true people. Please take my advise and if you have any policies or investments in OM take your money elsewhere . They sent me a repudiation letter that says on suspicion of.... we can't pay this claim , then they say they rely on what the police report says - There was less than no investigation by the SAPD and the report contains more than 51 mistakes. All the evidence that I provided was ignore blindly and they choose what they want to use- When asked what I should do to give them the proof they want , they say they cant tell me... They repudiate the claim on an exclusion that was NEVER EVEN MARKED OR NOTED IN THIS POLICY DOCUMENTATION....we contacted the underwriting department, and ask then for the exclusion that OM uses to decline the claim - the reply is laughable , because it still does not exclude the reason used to repudiate our claim -This is just an extended delay tactic from OM not to pay the claim - Furthermore the Arbitrator , threatened me by saying I can take them to court - It will be a high court case and he will just ask for a postponement of the case until I'm financially ruined. He threatened me with other things as well.... The fact of the matter is all the conditions of the policy was met by us. The contract was drawn up by OM. We adhere to all the policy requirements. If they can tell me what I need to do more to proof the accident I will but they don't know themselves what they want...delay tactics to keep the money in the OM bank account, and NOT pay life insurance claims ...