Seat 1A,
A very touching story, but it depends on what was written in the fine print. There's all kinds of insurance policies. What was the original payout, you don't mention that? I have a life insurance policy left over from my aviation days, very cheap, provided the fine print is complied with, there should be no problem with the payout, and from the few claims there's been there's no reports of any kind of irregularities with the insurance company.
Gold isn't insurance, it wasn't during the Great Depression, the gold price remained unchanged during WW1, after the 1987 crash gold declined, there's no historical precedent except during the GFC there was a mania, suckers bought gold to make their fortunes and most of them have done their dough.
Gold is not insurance, if it is, prove it with a historical precedent.
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