Reliance Standard refuses to give my recently deceased aunt's life insurance benefits to my family .

My aunt worked for a company that had Reliance Standard Life as their long term disability insurance and life insurance carrier. In 2008 my Aunt became disabled and was unable to continue working. Reliance paid her long term disability benefits. Then in September of 2014 her employer changed life insurance carriers. On March 2, 2015 my aunt passed away. Even though we all knew it was coming it still made no less painful. We made the attempt to file for her life insurance, now we are being told by the current insurance carrier due to the fact that she never worked a day under their policy they are not responsible and that we should go back to the previous carrier. I filed the claim papers and just got told by Reliance that they are not responsible either. Every month her employer would deduct her premium, but no one wants to pay. It’s horrible that we have to relive her passing when we have to deal with these insurance companies. Insurance is the biggest rip off in the history or the world.