For ten years, I paid around $200 each month for a $100K life insurance policy for myself and my husband. I couldn't afford to renew the policies after they ended after ten years. Since neither of us died in that ten years, it seems only fair that I should be reimbursed some amount since the insurance company did not have to pay on the $100K policies. Do I have any recourse to be reimbursed some amount of what I paid for ten years?