I used to feel the same but there is a nuance here. Generally speaking insurance companies can be a good source of oversight. A doctor might make a mistake and the insurance company could catch it. I do think millions of dollars of profit for an insurance company is inefficiency from the point of view of the client. An insurance company that is barely scraping by is the one I would like to use. Unfortunately, by denying a valid claim they avoid keeping their promise and keep more money. The company is collectively rewarded by not fulfilling its function.

On the other hand, when agreements are not kept, and the law is useless, violence is what must follow. I have a suspicion this particular company delayed and denied to the wrong family. Indeed if they have denied thousands of claims in a year, linking based on motive becomes impractical. Fortunately or not.