Our client called us after the death of his wife. For several months the insured was gravely ill and spent several weeks preceding her death in the hospital. The insured’s family was consumed by her sickness,  did not check her regularly and did not pay the life insurance premium on time. Genworth denied the claim based on the policy lapse.

Our client retained us to dispute the denial of the claim. We investigated the alleged lapse and noticed that Genworth sent premium-due notices that did not comply with the state law.

In addition, the notices were sent to the wrong address. We contested the denial and Genworth paid the claim after its legal department determined that the policy did not lapse and was in effect at the time of the insured’s death.