Lincoln Financial declared my father's $150,000 whole life policy "lapsed without value" in 2021 after automatic premium loans quietly consumed 27 years of cash value when dementia made him stop opening his mail, they cannot or will not produce the lapse notices Georgia law requires or a single annual loan statement, the entire "policy accounting" they sent my mother is a two-line letter saying the policy terminated, and the claims rep told her by phone that the file is "closed" as if a sentence were a denial. what are the numbered moves for fighting a lapsed-policy death claim: the full policy accounting demand, statutory lapse notice requirements, the secondary addressee protections for seniors, reinstatement law, DOI complaints, and when does this go to a lawyer?
my father died in march. he was 81, he had vascular dementia for the last six years of his life, and he was, for the 40 years before that, the most organized man i have ever known, the kind of man who...