12 months after my father purchased a AIG policy (mortgage insurance) he passed away. Trusting in the agent to do his job, my parents, never looked at the policy initially. He was a smoker, not hiding the fact, the agent knew and was advised of that. Upon the death of my father, we found out the policies for him and my mother were non-smoking policies. The agent wouldn't even respond to our calls. He passed away in the contestable period. Insurance would not pay or even think of it. They scrutinized his medical records and blamed their reasons on that. The good news was my mom could keep her insurance with a reduced payout.