The thing is, eFinancial is a broker. They help people obtain insurance. The claims process is solely handled by the insurance companies they work with. After the policy goes into place, the insurance company is the only one to deal with. I'm sure there are plenty of people who couldn't get paid out on policies, but there are stipulations and reasons why they didn't get to make a claim on said policy.
Not anyone with a valid claim
Thanks! Your answer is awaiting moderation.