If a Death certificate states manner of death not determined and the cause of death as undetermined what does that mean to a insurance co?

As long as it is beyond the 2 year contestibility clause filing the claim should go without a hitch as long as you provide all the necessary info on the claims paperwork and provide the death certificate. If it is within the 2 year period you will have dificulty filing the claim and will need the medical examiner to determine the cause of death.