I have looked at the policy and there is no mention of changing the policy that I can see or better, that I recognise.

I don't think the policy even specifically says what type of policy.

I see a rate class and added benefits = waver of premium and accidental death.

I am blind to this stuf.

Age 52, T2 N0 M0 SCC of left anterior floor of mouth. Esophagoscopy, Direct laryngoscopy, Resection of left anterior FOM lesion w/ lateral tongue. left selective neck dissection levels I-IV. 5x6cm skin graft coverng excision. Finished 33-35 rad Tx. False recurrence 12-22-10 last surgery 2-15-10