My Mother died Nov. 13th, 2009 under the impression her life insurance would pay . She had paid 8 years but it is for 10. Mom was Bi-Polar and lost track of finance sometime. After she went to the hospital in August 2009 I was not aware of this insurance and the monthly payment was not paid. Mom went on to a nursing home then the last days in hospital Nov.9, 2009. In a panic the next day she ask me to check insurance and catch up if needed. She died unaware the $4, 140.oo paid in 7yrs and 8 months left her policy invalid... read full review »