The key is the terms. The insurance company won't specifically target you. We all sign the standard terms. One more thing, my friend, your father must be very sad after his death, and he needs psychological comfort and spiritual comfort. Spend more time with your family and talk to them about your troubles. If the attitude of lawyers, salesmen and doctors makes you angry, you should know that they don't have the painful experience you have now, and their psychology is definitely different from yours. There is no need to be angry with them.
According to my friend's experience, sometimes in this special situation (death), the insurance company will make a difference. You have to take the trouble to communicate. The terms are hard, the legal sense is difficult to understand, and it is very troublesome for ordinary people to go to court.
I suggest you find a lawyer to determine which company to look for, and then talk to them! I can get the handling fee back from the real estate agent. Insurance companies are much more formal and have higher quality than real estate agents.
You have to think so. What if I didn't buy insurance at that time? Now there is no possibility of finding personal compensation.