No, there is nothing you can do. The lender may have "discouraged" you from taking out the life insurance, but she did not stop you: you had the right to ignore her advice and take out any insurance you wanted. Since it was your choice to follow her advice, and because the mortgagor is not a financial advisor with a fiduciary duty to you, the lender is not liable for the advice their person gave or your voluntary choice to not take out insurance.In addition, the relevant statutes of limitation, or time periods within which you must sue, if you are going to sue, in your state for a case like this would be six years or less, not eight years--so even if you might have otherwise had a case, if the loan was taken out eight years ago, it would be too late to take action.You may need to look to selling the home to get out from under the debt.