D EAR HARRY: I have been a client of one of our large life-insurance companies for as long as I can remember. My husband died in 2005, and I collected the benefit. No one from the company contacted me at that time, even though I was the only breadwinner for myself and my daughter. I finally was contacted in September and signed applications for $25,000 on me with a $10,000 coverage for my daughter. When I got the signed info from the company, I noticed that it had things reversed. The company agent said there was nothing he could do. I contacted the company and they agreed with the agent, even though the application material was correct. This company has been around for more than a century and I'm sure this is not its first error. Who can intervene to help me?