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A client, K, came to me because he was notified that his $200,000.00 life insurance policy had lapsed.  He had paid the premiums, on time, for the past 30 years and could not understand what had happened.  K and his wife spent months making telephone calls and getting nowhere.  Finally, the company told him he had to reapply, but by the time he reapplied he had been diagnosed with a terminal illness and was turned down.

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