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Life Ins Cancelled without Warning?

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Junior Member
What is the name of your state?What is the name of your state? NY

My parents had life insurance policies with Met Life for approximately 35 years, handled through a company "Marsh Worksolutions". He is retired from Verizon Communications. They received a bill quarterly for the premium after he retired. They never received a bill in April, and we never noticed. When the bill came in July, it was for the normal premium amount, and there was no mention of late/missing payments. This bill was paid immediately. A month later, we noticed that this check was never cashed. When we called them, they told us the policies were cancelled in April due to non-payment. No cancellation notices were ever received, EVEN TO THIS DAY. About 2 weeks later, they sent back this check with forms for re-instatement. Both parents were denied re-instatement for medical reasons.

Can they cancel these policies without any formal notice of cancellation?
Thank you in advance for any advice.


Most carriers send out a late premium notice when a premium is more than 30 days past due. I suppose it is possible the April quarterly premium AND the late notice were never delivered, but that is suspect.

And yes, a carrier can cancel for non-payment. Once a policy is lapsed there is no obligation to reinstate the coverage.

If these are permanent plans there may be some nonforfeiture values to continue the coverage for a period of time.

Is there a reason why Met was not contacted when the April premium did not arrive?

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