Dabrowski v. Metropolitan Life Insurance

In September 2003, the decedent applied for a life insurance policy (hereinafter the subject policy) from the defendant, Met*809ropolitan Life Insurance Company, through its financial services representative, Gregg Pajak. The decedent designated his wife, the plaintiff, as the beneficiary. In October 2003, the defendant informed the decedent that the underwriting process revealed that he did not qualify for the “preferred” rating and that he would be required to pay a higher premium for the “standard” rating. The defendant issued the subject policy on October 2, 2003. The policy contained a…