colonial penn insurance refused payment on claim philadelphia pennsylvania

   I had life ins on my husband through Colonial Penn for a few years. He passed away in March '17. The claim was filed & a copy of the death certificate submitted. They have refused the claim (it is only $10,000) because they say I lied when we got the insurance. They guarantee acceptance so there would be no reason to lie. They ask a few questions & the answers were "no". My husband did have a few things medically wrong but not the questions they asked. I don't think I was supposed to volunteer other additional info than what was asked. When he died years later the death certificate clearly shows the cause of death was from "4 days" earlier & 3 underlying causes were from "weeks". So there is NO legitimate reason to deny the claim. If I was going to lie I probably would've got more than $10,000 in insurance. And obviously by the death certificate he did not die from anything that he had when the insurance was purchased. It's nice how they can take premium payments for yrs & then deny a claim & I am just out. It isn't worth hiring an atty because that would cost more than I'd get & they know that & that is how they get away with this. I'm quite sure I'm not the 1st & won't be the last!!