jdavis7765
New Member
- 3
Hey everyone, new patron to your wonderful forum and of course I have a life insurance question I need assistance with. I realize there are probably many answers that vary among companies so I will try to keep it short and sweet. Long story short, my mom passed away earlier this month and we didn't think she had life insurance, but turns out she did from a document I found from 98. The cash value paid the premiums up until a 3 months ago. Another story for later, but my dad took out that policy and he also had a policy, his policies address was updated but the one he had for my mom was not, so he ended up cashing his in years ago, but forgot about my moms and we had no idea it existed or was even canceled. Anyway, she had been disabled for about 3 years prior to her death and from what I've read the disability waiver would have paid the premiums had the insurance company been notified, which they obviously were not.
My question is, what do you think the chances of them covering this on either ground, the policy not being changed when the policy holder updated the address or the disability waiver if we can prove from her disability paperwork she had been disabled when they cancelled? We were told to send a written letter about the address and the fact we were not notified of its cancelation to them to determine.
The short story turned long, I hope you could follow and thanks in advance for any insight or answers provided.
My question is, what do you think the chances of them covering this on either ground, the policy not being changed when the policy holder updated the address or the disability waiver if we can prove from her disability paperwork she had been disabled when they cancelled? We were told to send a written letter about the address and the fact we were not notified of its cancelation to them to determine.
The short story turned long, I hope you could follow and thanks in advance for any insight or answers provided.