What is a Locate & Disappearance Investigation within relationship to an insurance claim that have be compensated.?
Answers:
do your own homework.
It's a feature of Kidnap & Ransome policies - but it's done BEFORE a claim is remunerated. So you must be talking something like something else.
With regard to a life span insurance claim: the majority of insurers won't pay a claim where on earth it's questionable whether the insured has if truth be told died. Particularly with admiration to foreign deaths where on earth the body is said to have be buried there (instead of surrounded by the US), insurers will send an investigator to look into the circumstances of the extermination and independently verify the identity of the deceased.
A number of years ago, a collegue of mine worked on a time insurance claim where the insured be said to have died within Africa. The identity of the insured was question and the Company asserted its contractual right to conduct an autopsy. The body was disinterred and an autopsy be conducted by the gravesite; pictures and tissue samples be taken. The deceased be positively identified and the rather huge duration insurance claim was rewarded.
Some investigations find that the insured is actually alive somewhere, so they adjectives don't turn out like the one above.
You mention that the claim have already been remunerated. Unless the insurer found new information after it rewarded the claim that lead it to suspect fraud, usually reward is considered an acknowledgement that the claim is valid.