Life Cover Pay-out

My brother took out a life cover which did not require him to take blood tests to prove his HIV status, now 1 life refuses to pay out as they say he failed to disclose his status. 1life failed to conduct proper investigations at the underwriting stage, but they relying on a non-disclosure defense to repudiate the policy now that the claim has arise. They should have taken HIV tests when he took out the policy as they knew they would use the results to base their conclusion. 1life must pay out the whole cover amount and stop abusing the families that believed so much in them. ********** 468088