My parents each had a policy with Bankers, my mother handled finances and had a stroke, by the time I had all the finances taken over the payment for my dads policy was unpaid.....ONE late payment and they cancelled his policy which he had paid on for years. I called and called, got transferred over and over until they said it was too late. My parents lost my fathers complete policy after paying almost $300.00 a month for over a decade. How can this be legal, my father has dementia and he had no clue the policy was due. Perfect example of companies screwing the elderly.