In "The Autobiography of Malcolm X," why did the insurance company refuse to pay off the life insurance policy of Malcolm's father?

The insurance company refuses to pay out its policy for
Mrs. Little because they believe that Mr. Little killed himself.  They refuse to accept
the fact that Malcolm's father's murder was perpetrated by the Klan and White men in the
community.  Rather, the argument that is put forth is that Earl Little killed himself. 
Despite the gruesome murder and the obvious signs that he was, for all practical
purposes, lynched, the insurance company refuses to pay because it is not ruled a
homicide, leaving the door open for it being a suicide.  The significance is telling. 
The first is that Malcolm's narrative, at an early age, involves violence against people
of color at the hands of White America.  This is in stark contrast to the emerging
narrative of someone like Dr. King, who experiences racism at an acute level as a child
when kids make fun of him.  This is a more pointed and brutal experience of racism,
especially when considering how Earl Little was murdered.  Another element that emerges
is how White America uses its position of power over people of color to manipulate and
deny them basic opportunity and a sense of institutional fairness.  Malcolm X is not
afraid of calling out the insurance company's deceit as similar to the physical violence
the family endured.  In both conditions, people of color are under siege from White
America, and this instant early on in the narrative helps to set the stage for what will
be experienced throughout the autobiography.