Thank you for your question. Please permit me to assist you with your concerns.Let me preface my answer by stating that this is a bit of an uphill struggle. Once payments are missed and insurance lapses, the company is generally not liable. I am assuming these were term-life policies because whole-life and universal life policies may be able to be used to cover the premiums for a time from within if they built up some equity. So at least with pure term life policies, once they default, they default and make the insurer no longer liable.What I can suggest is to have an attorney review the contractual language. Many insurers provide 30 days to make payments and ensure that policy does not lapse. This is done until and before the covered party passes away. So in theory it might be possible to review terms and maybe send in the funds for the premium, reinstate the policy, and have it pay out. But this isn't a statutory obligation but purely contractual. The language under which these policies was written is what governs. This is why having a professional evaluate the policies may be wise, so as to see if there are clauses within the agreements (or what the policies even were) could be used to reverse the insurer's stance.Good luck.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).