Reinstatement at U.S Financial Life Insurance

I'll try not to make this too long. For 14 years I have paid my yearly premium on time, no issues. Then this past year I accidentally sent the payment (on time) to my wife's policy. I assumed once they could confirm (30 days later) what happened that they'd turn my policy right back on. No such luck. I have discussed it with customer service and their supervisors and all they will say, over and over, is "it's in underwriting and takes 90-120 days". I have explained to them that I did my part and sent the forms right back in and called the doctor to be sure there were no delays. They sen

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