As beneficiary to a life insurance policy with an accidental death claim can anything tie up the processing of?

I am the beneficiary of a life insurance policy purchased by my fiance who ped away in a car wreck recently. Two policies were purchased by her naming me as the beneficiary but the agent is telling me they can't be processed until an executor or heir signs a Hipaa release and if no one will then the claim cannot be processed. This does not seem fair or correct. Can anyone tell me what to do?