Dr. Griffith allowed his life insurance to lapse after May 15, 2007. According to US Life's life insurance policy, he was granted a 31-day grace period after which he would be able to reinstate his insurance by paying the balance of the unpaid bill and receiving written approval from US Life of the required evidence of insurability. According to a reminder notice, Griffen had 60 days to make a full payment. On or around June 15, 2007, the insurance provider sent Griffith a lapse notice which included a reinstatement form and a self-addressed envelope and required that payment and the reinstatement form be received by the policy provider within 30 days from the lapsed coverage. On July 23, 2007, Griffith electronically directed payment to American Medical Association Insurance Agency (AMAIA), which acted as a third-party administrator for US Life. AMAIA acted on US Life's behalf to bill and collect premiums. AMAIA received the check from Griffith on July 30, 2007. On July 28, 2007, Griffith was kneeling beside his bicycle at Bethany Beach, Delaware, when he was struck by a car that had drifted off the road when the driver fell asleep at the wheel. Do you think Griffith was insured at the time of his death? Why or why not?
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