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It used to be that when somebody died, it was up to the relatives to claim the life insurance....

It used to be that when somebody died, it was up to the relatives to claim the life insurance. Now, states are making insurers constantly check their client lists against a death database and find the beneficiaries. States reckon firms have failed to pay well over $1B over the decades and have settled or are in talks to settle with several of them, including MetLife (MET), Prudential (PRU), Manulife's (MFC) John Hancock and AIG.
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