In accordance with the claim forms provision, an insured individual should receive the required claimed forms within 15 days after notice of claim has been submitted by the insured.
This is meant to protect the insured individual from delays caused by the insurance company.
If the insurance company does not oblige and provide the insured with claim forms in time, the individual can satisfy the proof of loss requirements with his own documentary evidence.
The statement is true. Groups like those tend to be very serious in initiation and aspects of "group loyalty", which is why most of these groups are gangs and/or other groups of violence (like terrorist groups).