I pay my quarterly life insurance premium when Banner Life mails me an invoice. I've done this consistently for 6+ years.

Then, they cancelled my policy: I missed a payment because I never saw an invoice from them and because I never saw the lapse notice they claim they sent. I have the means to pay.

They could have called me -- they have my phone numbers. They asked me to apply for reinstatement, and this involved them looking at my medical records, which allowed them to find some not-so-serious reasons to cancel me. They never should have started this process in the first place.