No exam doesn't mean no underwriting. You'll still need to disclose the health issues.Husband was under standing orders to make no changes to the policy, etc. (These are general orders issued by the court.) In addition, there was a specific order stating that he cannot change any beneficiaries until further notice. Unfortunately, in spite of being asked, my attorney did not include anything regarding not canceling the policy. SO he did that.
So, even though he's in contempt, because of his health issues, he's unlikely to be able to get another policy like this one. I'm wondering if he can have multiple no-exam policies?? Still, he's likely to pass sooner rather than later, so I'm not even sure if that would work.
Talk to a new attorney about this asap.