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On aug 2 my friend cancelled his life insurance with any family members knowing 7 days later he passed. Can anything be done to reinstate the insurance? I think he had dementia.
Why do I think "your friend" is not just "your friend", and "any family members" is you? There is much more to your question than what's on its face.
The reason I say this is that it is now August 12th. He died on August 9th, and canceled his life insurance on August 2nd. Three days after his death, and his family would most likely be dealing with the funeral home, wake & funeral---that takes up at least 2-3 days. How would you know, as his "friend", 3 days after his death whether or not he canceled his life insurance policy? And if he was your "friend", why do you "think" he had dementia and not KNOW FOR A FACT THAT HE HAD DEMENTIA? And why would you be asking ask a bunch of people you don't know whether or not anything can be done to reinstate the insurance policy? If his "family members" wanted to know if anything could be done to reinstate of policy, they can call the insurance company & find out what the rules are. Unless you are the beneficiary, it's none of your business what his "family members" do.
There's something very fishy with your question, in my humble opinion. Unless you are the beneficiary of the policy, mind your own business.
There are several questions that need answers. How do you know that he cancelled his insurance? Did someone contact the insurance company and the company said that he had cancelled? How did he do this? Did he stop paying? Did he write and say "cancel". Did he go through an agent? Did he give an effective date, since many policies are paid in advance.
What type of life insurance did he have? Was it group or individual? Individual term, group term (union, association, pension, etc.) whole life, universal life, or what?
Once you know that you will know the best person to contact at the issuing organization.
Are you the beneficiary? Does the man have a will or trust? If an attorney is involved perhaps that office can assist you.
IMO, if you are not a beneficiary, or responsible for any remaining bills, you do not have standing in this situation.
Call an elder care attorney right away because if the person was not deceased, the insurance company would probably say there is a "grace period" for the payment and If it was paid immediately, they would re-instate it but due to the fact that the policy holder cancelled it and then passed soon after, they will know they would be liable to pay and would probably tell you there is nothing they can do. An attorney can help you especially if you have a doctor attesting to the fact that he did have dementia.
You should contact an elder law attorney. Explain to the lawyer that your husband wasn't in his right mind when he made the life insurance decision. Also point out the 7-day timeframe. Push or at least attempt to "not to take no for an answer," e.g. work with the attorney.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
The reason I say this is that it is now August 12th. He died on August 9th, and canceled his life insurance on August 2nd. Three days after his death, and his family would most likely be dealing with the funeral home, wake & funeral---that takes up at least 2-3 days. How would you know, as his "friend", 3 days after his death whether or not he canceled his life insurance policy? And if he was your "friend", why do you "think" he had dementia and not KNOW FOR A FACT THAT HE HAD DEMENTIA? And why would you be asking ask a bunch of people you don't know whether or not anything can be done to reinstate the insurance policy? If his "family members" wanted to know if anything could be done to reinstate of policy, they can call the insurance company & find out what the rules are. Unless you are the beneficiary, it's none of your business what his "family members" do.
There's something very fishy with your question, in my humble opinion. Unless you are the beneficiary of the policy, mind your own business.
So sorry for your loss!
What type of life insurance did he have? Was it group or individual? Individual term, group term (union, association, pension, etc.) whole life, universal life, or what?
Once you know that you will know the best person to contact at the issuing organization.
Are you the beneficiary? Does the man have a will or trust? If an attorney is involved perhaps that office can assist you.
IMO, if you are not a beneficiary, or responsible for any remaining bills, you do not have standing in this situation.
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