Life Insurance Lawyer Fayetteville Arkansas

Most life insurance policies have exclusions that limit coverage for certain causes of death. For example, if the insured died as a result of suicide within the policy's suicide exclusion period, the claim may be denied. Similarly, if the insured died as a result of engaging in high-risk activities that are excluded under the policy, such as skydiving or extreme sports, the claim may also be denied.

In addition, if the insured made misrepresentations on their application about their medical history or lifestyle, and the cause of death is related to the misrepresentation, the claim may be denied for material misrepresentation.

It is important to note that insurance companies are required to investigate claims thoroughly and fairly. If the claim is denied, the insurer must provide a detailed explanation for the denial and inform the claimant of their right to appeal the decision.

If a life insurance claim is denied based on the cause of death or other reasons, the beneficiary or their representative should review the policy and the reasons for the denial carefully and consider consulting with an attorney who specializes in life insurance claim denials.