If an insurance company approaches you about the death of a loved one, think very carefully about why that insurance company wants to talk to you. Definitely, you can listen to that insurance company; but remember, two ears, one mouth. Listen much more than you talk. Ask that insurance company why they’re talking to you about this. Ask that insurance company what they think happened. Take that information, think about it very carefully before you decide whether you are going to share anything that you think you know with that insurance company.