After 13 years of payments Guardian Insurance can request a medical exam and you have to comply if you make any mistake on your life policy. If you don't qualify you don't have insurance and all the money you paid in is gone! What really bothers me is that this company had no problem accepting payments for 13 years and not one time did I get a call from anyone to make sure my policy stayed in force. The moral to this story is forget life insurance leave your relatives land! THese people build wealth alright for themselves!
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