About 3 months ago I filled out a life insurance application, took the physical etc. The policy was for My wife, my child and I. My wife and I are both 21 years old with no medical problems etc. The premium was supposed to be $38 dollars a month. Well after 3 months my agent calls me and is like the policy came back, but there is one problem they found nicotine in your wife's urine sample, so the premium will now be $47 a month, only problem is my wife has never put a cigarette to her lips and we are never around people that smoke, so their must have been an error in the lab. I explained this to the agent and he called the underwritter and suggested to them that at his expense he would pay for another test. They refused, and said there was no system in place for possible error. I find this to be obsurd we are healthy people raising a family. Its not the $9 a month that bothers me its the principle that their saying my wife smokes and she doesn't. Would we win if we brought suit?
Additional Details
I think you people are missing something. WE DO NOT SMOKE. I have no reason to lie to the yahoo answers community. I have no reason to smoke my grandmother died of lung cancer and I think its a senseless habit. If you are going to assume I'm lying then please don't answer.