My 88 year old father has a policy with Midland National that he needs to surrender the cash value. He needs this in order to pay the nursing home. My father is unable to sign. I sent in the request with my mother signing as the POA along with a letter from his physician stating he can no longer handle his affairs as well as the POA. Midland is telling me that the POA isn't valid for life insurance. They want a court order before they will pay this. So of course we have to hire an attorney for this. The attorney has told me that the POA is the exact form that is used by all attorneys in the State of Iowa. He has been practicing the law for over 30years and has never heard of a company not accepting the POA. Of course the 2 people that he needs to talk to at Midland don't answer the phones. So the attorney has to wait for a call back. This is absolutely ridiculous!