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we know they have massive databases on every aspect of our lives, to calculate risk. But, both the local agent and the call center guy answering the national line told me they have no way of knowing whether a customer has died, unless the family notifies them. I asked about e.g. county death records, whatever database Social Security uses to cut off payments lickety split, etc. Got a collective shrug from them.

I say BS but guess that they figure if it ever came to a claim under the dead person's name, they will check then to make sure the claimant isn't dead. Or something like that.