My fiance's parents were visiting us in CA from Missouri. Her dad was hospitalized with a C-Dif infection for 6 weeks. He missed his monthly Life Insur payment and had to pay $4000 to reinstate it, then that was determined to be late, and were made to pay another $2000. The last payment included a medical questionaire. My question is, can a company cancel you when you have paid for years, and miss a payment because you are incapacitated AND out of state? Thank you for your time.