When we tried to re-instate it, the insurance co. said no. Can they do that? payment was on draft went unnoticed that it was not being paid for three months, insurance company said they don't issue to people with dementia, and asked if I had a POA, which I do. They were to send a new reinstatement application and I was to return it with the POA, but then they only sent a letter that denied him coverage...ugh! What to do?