If they refuse, and they should probably refuse at least once by the insurance company code of standard conduct, suggest that you will take it to the insurance commissioner of the state. It has been suggested to me that you generally have to ask more than once and that the state commissioner will be interested in getting a copy of your letter and death certificate. Declining to allow you to get your coverage back for that reason would be just disgusting.
AD - Thanks for the information and good advice. I agree if they don't grant me reconsideration it is disgusting and I'm not sure I would want to be covered by them anymore anyway.
