To process an insurance claim the company requires a death certificate. On every death certificate will list the alleged cause of death. The insurance company should have that data at their fingertips in a database file.
That’s simply not the case for group life insurance. If you work for Walmart and the company offers a $25,000 life insurance policy as a benefit, the insurance carrier will generally pay that claim without waiting to see a death certificate.
It’s obviously a whole different story if the CEO with a $25 million individual policy dies.