How insurers and those commiting voter fraud? use the ‘Death Master’

I wonder if this list is how democrats are commiting voter fraud. I went snooping and if I subscribe, I can get the master list too….

A Social Security file with data on 95% of Americans who have died over the past 75 years can help with unclaimed benefits — if life insurers choose to consult it.

For years, the Death Master File of the Social Security Administration was a valuable resource for life insurance companies when they needed it, and ignored when they did not.
The file is a who’s who of about 95% of Americans who have died over the past 75 years. It includes dates of birth and death, Social Security numbers and even ZIP codes.
Insurers can use the list to find out if a life insurance policyholder has died, at which point they must pay the beneficiaries. According to Florida, California and New York regulators investigating the insurance industry, many insurers have not consulted the file, leaving it up to beneficiaries to track down the policies and claim their money.