Globe Life and Accident Insurance Company Claimed my husband lived longer than they allow to pay the accidental death benefit Oaklahoma City Oklahoma

BUYER BEWARE!!! Save your money. This company is a scam. They put provisions in their policies that allow them to deny accidental death claims. My husband was in a car accident and died from his injuries, per the Medical Examiner's autopsy report, but because it was over 90 days from the date of his accident, Globe Life doesn't consider the manner of death "an accident" and paid the lesser amount. This is one insurance company that gives someone a false sense of security, you think you are paying Globe Life so when you die, Globe Life will provide funds to your loved ones to cover the cost of your burial and maybe a little, and I mean a little, extra if you die accidentally. That is false if you do not die in a timely fashion, per Globe Life. I guess the medical community shouldn't try to save your loved one and keep them alive more than 90 days per Globe Life. You watch your loved one suffer trying to hold on, trying to live and it is so difficult to watch them suffer and eventually succumb to their injuries to find out you get punished for your loved one trying not to die from Globe Life because they don't believe your loved one laying in a hospital bed with I.V.s and tubes in your loved ones everything and everywhere for more than 90 days isn't part of the accident that prevented them from ever coming home. The plan was for him to survive the accident and to come home and be with his family, to meet our first granddaughter that would be arriving in July, to be here to advise our 4 sons through their lives, to walk our daughter down the isle, to see our 10 year old grandson continue to grown into an amazing man and to grow old with me, his wife of 30 years and NOT to expect Globe Life to provide our family with any benefits, but it did not go as we planned, hoped or prayed. I understand that all companies have previsions that outline what will and what will not be covered but to include a prevision that would deny an accidental death claim because the person didn't die fast enough from their injuries is wrong on many different levels and I believe there is a special place in Hell for the person that drafted that prevision. The loss of a loved one, expected or unexpected, is a horrific experience and for a company that peddles their ware as "help or comfort" during that difficult time to place such loop holes to get out of holding up their end of the bargain should not be allowed to be in this business. So do your surviving loved ones a favor and buy life insurance from a reputable company that will provide what they say they will if you die of natural or accidental causes and stay away from Globe Life. BUYER BEWARE!!!!