<prompt> Human: Father in law passed this morning and his life insurance is refusing to pay since he hasnt had the plan for 1 year. Im still trying to get details in regards to what type of plan it was etc. Just wondering if this is common.  <response>: There are all kinds of plans, and so its not really relevant if it is common or not. It only matters what his plan says.From an insurance company standpoint, selling life insurance to someone who dies right away after signing up is not good business. 