Has anyone had any luck contesting /challenging a claim denial? A friend of a friend asked me for help. Quick story. Non disclosure of prescribed cholesterol hypertensive had a heart attack 15 months after issue and passed prior to the exclusionary --passed paramed and blood. The owner of the policy purchased policy through captive multiline (SF, Farmers, Allstate) possibly clean sheeted for issue by agent to meet quota. Any ideas would be helpful.