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A person needs life insurance if he or she has economic dependants - spouse, children, elderly parents, for example - or outstanding financial commitments such as a mortgage. Otherwise, what's the insurance for? It was never intended to be, and it cannot be, compensation for the loss of a loved one; it is designed solely to protect those left behind from financial hardship. I hope you haven't been mis-sold a policy.
Make sure you pay those premiums. BTW, life ins companies get the records of the meds you have taken that have gone through insurance, so they know of conditions that are under treatment, IF, he had been under treatment for something serious and not disclosed, he would likely have been denied.
Insurance companies have countless actuarians trying to make sure the are on the positive side of policies, once in a while a policy is not as profitable or is a loss.
My best to your father and to you. Sorry to hear of the troubling diagnosis.
Check with your local Area Agency on Aging.
They regularly have legal volunteers who you can consult with for a free 1/2 hr.
Make an appointment to talk with one of them; it may result in needing to talk with others, as well, but maybe that can resolve the question.
IF an insurance company learns, -after he dies-, that the health conditions were "formally diagnosed BEFORE the policy was purchased", it could be seen as some level of fraud---maybe also depending on what type of life insurance.
For instance, some small policies are specifically for burial expenses
--the insurance companies are betting the person buys and pays into the policy long enough so the company can make some money off it, before the person dies.
Yet, even those, if bought when the person is, say, already signed up for hospice, could be seen as fraud, because the person or family waited until the last days before death, to buy that policy.
Insurers want to make money--lots of it. It's very lucrative.
They take great pains to make sure that many more people pay premiums, than the costs of claims settled. That keeps investors happy: income exceeds payouts. Anything that screws with that, is likely to trigger their systems to start legal processes to prevent payout on claims that failed to pay enuf into the system before claimed.
A family member's word that they "didn't know Dad was so sick until after the policy was written" will be very hard to prove to them.
Just out of nosiness, why were you buying life insurance for your father?
In some cases you may be OK some not. Most policies have a two year indemnity policy, meaning that after two years even if something was not on the policy, it's now considered a non factor (except incorrect age). Some policies that you see on TV and say you will not be turned down, no exams, no questions, have a two year claim restriction...meaning that if the insured dies in the first two years they don't pay..even though you have paid the premiums. read the fine print on the policy. Trust me..some companies will do anything not to pay.
As Bishop Sheen said " The large print giveth, the fine print taketh away"