I have a few questions... First, there were two small policies on my mother through the same company; I submitted the claim and death certificate and the payout was processed last week. I need to send in a claimant's affidavit on the second policy and another death certificate. I don't have another but I am including a letter referencing the first policy number since they have one in their possession. Do you think this will be sufficient? The alternative is to wait another fifteen weeks until I can order one from the Province of Ontario. The second is regarding heirs... I am assuming, at this point, that this policy will be divided three ways as my mother has three surviving heirs: myself, my brother & my aunt. Does this sound correct? Thanks in advance!