My gfather took out a whole policy on my kid when she was born, then died about 10 years later and never mentioned it to me. I would get something sometimes in the mail from mass mutal but didn't know what it pertained to. Stupidly I ignored it thinking it would just cancel with non payment. Now I finally logged in and it says I have a loan going on $1700 because I guess it was paying the premium! What do I do??! Cancel it and then am I responsible for paying back???? I am the mother of the insured but had no idea he did something like this without my consent?!!