Thought I had seen everthing. My Father had a term life insurance policy for $50k, payable to one of his sons ,not the Estate. Being less than 2 years old, they contested it, delayed it, then decided not to pay. They returned the premiums paid about $4k, to the Estate. Months later, they suddenly decide to pay on the policy (Due to an internal fraud issue, their broker falsified the application turned into underwriting). They have paid the beneficiary, but want the Estate to return the premiums. Considering it was the Insurance company's fraud that created this mess and they admit it, does it have to be returned.Please note two additional facts. The policy was written in the state of Colorado. I received two letters from the insurance company (one of the major players) indicating inappropriate action by their agent in the application process led to their decision to change their mind and pay out on the policy. They have 'asked' for the return of the premiums before considering their legal options.