Death by Cancelation

He payed for more than 5 years on life insurance, when death arrives no one follow-up as when the policy does not get paid or if you alive but actually you dead, but they do a cancelation on your behalf after a few months if they don't receive money. Remember a call or a email does not cut it as and when you dead no one check your phone or mails, does that make sense. So when a person reaches retirement age and can't afford it anymore, what then do you get money back? Definitely not recommended service and it's s a money making business and a rip off to human kind.