My mother passed on October 9, 2021with 3 blood cancers, Lukemia, Myeloma and Lymphona. She purchased an insurance policy on April 8, 2020, she thought it went in effect in April 2021 but it doesn't go in effect until April 2022. She did not let us know she was dying or about the policy until it was too late. She is now gone and the expenses have fallen on me and my family.