Fairly new to the forum, but been reading for a couple years. I'm an independent that services mostly Medicare and Individual. I have a handful of term policies, but Life isn't my MO. So, any advice would help. Client calls me regarding a friend that passed. He had filled out an Accidental Policy offer that came in the mail(1st Problem). Age, late 70s, early 80s when issued in '13. Basically, they're not paying b/c is wasn't an accident. The friend says he may have made a mistake taking this, but he knows he wouldn't have done it if he clearly knew it was for accident only. My questio
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