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My husband retired in 1994 from the Army RCEME, after serving 29 years. He paid into SISIP since the beginning, and the term life policy stated at the age of 75, his policy would be closed, as I found out when I called them to report his death. He had just turned 75 in July 2020, and passed in Sept 2020. They failed to send out the official closure letter before his birthday, so we could make arrangements to either keep them or go with a new insurance company. I have a letter from Manulife stating that they should have sent out the closure letter earlier but only drafted it. After contacting a lawyer in this area, he suggested I get a copy of the actual policy agreement booklet to see if it is mandatory for SISIP/Manulife to send out the official closure letter reminder. Does anyone here know if this is mandatory or does anyone here have an old copy of the SISIP policy from 1965 stating anything about this? I am also waiting over a month now for the superannuation pay I was supposed to get to help pay for his cremation. And Covid is not a valid excuse, they need to stop using that excuse, when I received his Old Age Pension T4 already.