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My life insurance company canceled me although my premiums…

My life insurance company canceled...
My life insurance company canceled me although my premiums were paid up to date. They claim I did not answer a survey they said they sent, yet I never saw. Now they want nearly a 4th as mush as the policy is worth to reinstate.
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Answered in 4 minutes by:
7/6/2017
Legal Eagle
Legal Eagle, Lawyer
Category: Legal
Satisfied Customers: 10,172
Experience: Licensed to practice before state and federal court
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Hello! I am a licensed attorney, admitted to practice in state and federal court. I'll be here to help today! Do you mind if I take a moment to review your question?

Please keep in mind that our conversation does not include an attorney-client relationship and this is for general information purposes only. Additionally, Most people believe a phone call is the easiest and most efficient way to handle problems. Accordingly, you will receive an automatic phone call request. If you would like a phone call, please click “Accept” when prompted.

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This appears to be a classic breach of contract. A breach of contract just simply means that one party was obligated to perform and they have either have not performed or have said that they will not perform. If your premiums are paid up and there was no other reason for your insurance policy to be canceled, the insurance company has a legal obligation to continue to cover you. Otherwise, they will owe you for damages for breach There’s a site that I’ve used in the past where you can find a good template for advising of a breach of contract (click here). It's a bit easier (and cheaper) than going through litigation and I have seen it be effective in the past. If you send this to them and nothing happens, then you should file a lawsuit in your local court stating that you are being overcharged unfairly and without your consent.

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Customer reply replied 9 months ago
Following up now. Thank you for your quick response.

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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).

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