Farmers Contestable Provision

Does anybody have an experience with FNWL and a graded policy that went out of force after the 2yrs and was reinstated during the auto reinstate period and the insured died less than one year after reinstate of cancer diagnosed after the policy was issued but before it lapsed. I'm very new to insurance and this is a customers of mine and the insured was one of her relatives, they asked me for advice.

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