Q: Regarding life insurance?
My dad had signed up for a term life insurance policy for $7000 until he reaches 90 years old, or when he dies. At the time when the insurance company called him to sign up he spoke very little English, that term was set to fully paid in 2013. But he kept paying the policy every month, he passed away in June 2023 at 93 years old. I felt they should refund the extra payments he was making. The insurance company claim they will only reward the family with the $7000 and they don't care about the extra payments. Do I have a case or can I sue for the extra payments? Thank you.
A: I'm very sorry for the loss of your dad. One option is to try to arrange a brief consult with an attorney - it would be helpful to know the basis of the carrier's denial of a refund. It could be a matter of weighing the costs of litigating the potential refund against chances for a recovery. Check the policy provisions as well, as to whether there are any mandatory forum selection clauses - for instance mandatory arbitration, or a mandatory venue where a case would have to be filed. Those would also be factors to consider. Good luck
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