Dear {Life Insurance Company}:
I am writing to urge your agency to reconsider the denial of death benefits to {me/my child/etc.} following the death of {Name}.
{Name} was {relationship}. The final {time period} of their life was extremely chaotic due to {medical/emotional/other issue}. As a result, they neglected to pay the premiums for {time period}. For these same reasons, their beneficiaries didn't think to check on the payment status and didn't see any reminder notices sent by your company.
I hope that you will take this extreme hardship into account and reinstate and pay out the policy. Before this crisis, {Name} faithfully paid on the policy for {time period}.
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Index of Hardship Letter Examples