The Simmons’ son is deceased. When their son was in college, he took out a life insurance policy valued at $5,000, which was offered for free by the alumni association for nine months. The policy gave the option of continuing as a $25,000 policy after the initial coverage for an amount to be determined at a later date. Acceptance of the additional coverage was to be done by paying the premium, which the son did. Shortly before the policy expired, he received a letter offering him the additional coverage and stating the amount of the premium. He had been injured the day before he received the letter and died several weeks later without regaining consciousness. His lawyer later returned the premium, and the Simmons then filed for the $25,000. The insurance company refused to pay. Can the parents recover from the insurance company?