Natasha Dallas made multiple mistakes when filling out the auto-draft payment form for an American General life insurance policy for her father. Alas, the insurance company never received her initial premium. Her father passed away a couple of weeks later. Dallas, who is also an insurance agent for American General, tried to retroactively make the premium payments. Her efforts were rebuffed and her claims denied.
Though we sympathize with her, Dallas' legal case is pretty clear-cut. Basic contract law requires consideration. Insurance policies are contracts. If consideration is never received, there is no contract. Case closed.
Of course, this is an appeals case. No appeals case can be that simple, right?