My husband died in June of this year, while on active duty. I was informed that I would receive his SGLI (life insurance). This morning I was told that he had filled out a form to decline SGLI in October of last year, and that the insurance company would not pay the benefit. The twist is that they continued to withdraw the premium from his paycheck, and his monthly statements show both the premium and state the original amount of coverage. I am confident that he believed he still had life insurance because of this.
Can the insurance company choose to deny coverage and return the premiums?