Disability Waiver

Hey everyone, new patron to your wonderful forum and of course I have a life insurance question I need assistance with. I realize there are probably many answers that vary among companies so I will try to keep it short and sweet. Long story short, my mom passed away earlier this month and we didn't think she had life insurance, but turns out she did from a document I found from 98. The cash value paid the premiums up until a 3 months ago. Another story for later, but my dad took out that policy and he also had a policy, his policies address was updated but the one he had for my mom was

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