Metropolitan acting in bad faith.

My experience with Metropolitan, was just a nightmare. My late had a life insurance policy with Metropolitan life. I submitted a claim around September 2017, and I was told the policy lapsed due to non payment of premiums.

The policy had a Terminal illness benefit which pays 50% of the life cover amount before death of the life covered, if the policyholder is diagnosed with a Terminal illness. Terminal illness benefit is determined on the date on which the life covered suffered the illness, and not determined on the date of lapse. I emailed metropolitan regarding the terminal illness benefit to consider my claim since the policy was Active when my late Mother was admitted in hospital, due to a severe illness. Metropolitan refused to consider my information, instead they shifted the grace period in order not to pay my claim.

The last premium received by metropolitan was December 2015, but I was told the policy lapsed on the 1st of January 2016, how's that possible? I had premium reminders which were send from February till April 2016, since the last premium received by metropolitan was December 2015. The premiums reminders were not considered, and I was told the policy lapsed in January 2016. I questioned the insurer as follows " what was the point of sending premium reminders if the policy lapsed already, instead of sending the letter to reinstate the policy ". I was told they don't have any answer to my question.