My brother died last year in a car wreck and didn`t have a will. We took are of all the things that you do after a death ,except one thing we didn`t check all the banks for accounts. He had an account with a few hundred dollars initially in it. He used that account to have some life insurance preminums automatically deducted every quarter or so. We found out about it when the insurance was being cancelled because of non-payment. So we called the company and asked if they still had a record of it and they did. So we asked for payment of it. My sister was the beneficiary of the ten thousand dollars policy with accident paying double the face amount. The problem is he died within the contestable period. He did 20 months after taking out the policy. Since no one notified them of death they continued to take the premiums out of his account. They stopped when the well ran dry. My question and my sister`s question is when a person dies during contestable period ,but insurance preminums are still being paid will we get a refund on preminums? Does the fact that it has been over a year now complicate anything? The lady at the insurance company is asking for his medical records and etc and wants us to provide all the health questions answers. I only know he was in good health and he didn`t have any health problems as far as I know. She was very rude to us and sad we weren`t cooperating with them. She said since it was in the contestable period we probably were out of luck. She had another person at company offer to give us 6500 out of the kindness of her heart. Should we settle this or should we hold out? The lady sure was nice that called us from that company the second one I mean. The first one had angry tone . Is this something attorneys can help with?