Since you have had the policy since 2011 you are well beyond the incontestability period. It must be one of the following: You purchase term insurance and the term has run out. (possible but unlikely since you should have a renewal option). You purchased a Universal Life policy and it was underfunded (this may be the most likely reason). A Universal life policy has flexible premiums and some agents, in order to make a sale, have set the premium too low without telling the client. Most agents are honest, but unfortunately every industry has bad apples. If you do not pay enough into a Universal Life Policy, the policy will cancel out. The only other thing it could be is failure to pay the premium within the grace period, usually 30 days. I agree with Rich, you need to take all of the information to a good professional independent life insurance agent and have him review what went on in your case. A life insurance company cannot cancel you for no reason.