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Reinstate Life Insurance Policy
Mar 4, 1998

I am an American, but live in Hong Kong. I have been holding on to a 20,000 life insurance policy as a hold over of my US based job layoff 3 years ago. The premiums are only $8.00 per year - easy. Its the only insurance I have, and for 8.00 a year I want to keep it. Over the past 2 years, the company has sent out reminder notices to me for the $8.00 and I have made payments based on these reminders. This year payment was due on Nov 17, 1997 with a 1 month grace period. They sent the reminder noticed postmarked December 9 from Portland to my Hong Kong address. I was on a Christmas break and missed the mail. I called immediately when I discovered the notice. They said I could reinstate the policy but would have to show evidence of insurability. Am I not insurable because I am HIV+? Do I have any "case" to claim that they did not remind me in sufficient time and should let me continue the policy that I have had for almost 9 years now? I know, I know, if it was so important to me - I should have marked my calender, but geez, I was depending on their reminders. "Don't try this at home kids". I'm so frustrated - the policy has become kind of an emotional security blanket.

Response from Ms. Franzoi

I would suggest that you ask your former employer, in light of the late date on which he notified you of the renewal, to advise the insurance carrier of the circumstances. I think there is a good chance that the insurance carrier would agree to reinstate the policy without evidence. If you do succeed in getting the policy reinstated, please set up a reminder to yourself to followup each November or ask the insurance company to bill you directly.

Lynn Franzoi



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