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@apphia If the secondary beneficiary is listed as such on the policy, he or she would receive the $500k. If there is no secondary beneficiary listed on the policy, it will go to the estate.

@rhonda919 As far as I know, AIL's claims process is about the same as most other carriers. I don't know your specific situation but I doubt you'll have much trouble. I'm sorry for your loss. May his memory be eternal!

@vicatekdng866 Don't be so quick to cancel. If you've been paying on it for four years it might be worth keeping, at least until you get another policy from a different carrier.

@vicatekdng866 Not all policies require a physical. The majority of the ones I write don't require one. That being said, there's plenty of information out there about AIL and their tactics. I personally wouldn't buy a policy from them.