Our top life insurance lawyers fight all denied life insurance claims due to misrepresentation, and here are some examples of these type of denials:
Claim 1: A woman applied for a life insurance policy and stated that she had never been diagnosed with cancer. She died of ovarian cancer two years later. The insurer denied the claim, alleging that she had been diagnosed with breast cancer before applying for the policy and had concealed this information. The beneficiary sued the insurer, arguing that the woman did not know about her breast cancer diagnosis and that it was not material to the risk of ovarian cancer.
Claim 2: A woman applied for a life insurance policy and stated that she did not have any medical conditions or take any medications. She died of a drug overdose two months later. The insurer denied the claim, alleging that she had been prescribed several medications for anxiety, depression and insomnia and had failed to disclose them on her application. The beneficiary sued the insurer, arguing that the woman did not intentionally misrepresent her health status and that her medications were not material to her cause of death.
Claim 3: A man applied for a life insurance policy and stated that he did not have any risky hobbies or occupations. He died in a skydiving accident six months later. The insurer denied the claim, alleging that he had been an avid skydiver for years and had lied on his application. The beneficiary sued the insurer, arguing that the man did not consider skydiving a hobby and that it was not material to his risk of death.
Claim 4: A woman applied for a life insurance policy and stated that she did not have any criminal records or traffic violations. She died in a car accident one year later. The insurer denied the claim, alleging that she had been convicted of DUI twice and had several speeding tickets and had concealed this information on her application. The beneficiary sued the insurer, arguing that the woman did not intentionally misrepresent her driving history and that it was not material to her cause of death.
Claim 5: A man applied for a life insurance policy and stated that he was single and had no dependents. He died of natural causes two years later. The insurer denied the claim, alleging that he had been married and had three children and had lied on his application. The beneficiary sued the insurer, arguing that the man did not know about his marriage or children and that they were not material to his risk of death.
Claim 6: A woman applied for a life insurance policy and stated that she was 30 years old. She died of a stroke three years later. The insurer denied the claim, alleging that she was actually 40 years old and had falsified her birth certificate to obtain the policy. The beneficiary sued the insurer, arguing that the woman did not know her true age and that it was not material to her risk of death.
Claim 7: A man applied for a life insurance policy and stated that he did not have any family history of heart disease. He died of a heart attack three years later. The insurer denied the claim, alleging that he had several relatives who had died of heart disease and had failed to disclose this information on his application. The beneficiary sued the insurer, arguing that the man did not know about his family history and that it was not material to his risk of death.
Claim 8: A woman applied for a life insurance policy and stated that she did not have any foreign travel plans. She died in a terrorist attack in France one year later. The insurer denied the claim, alleging that she had booked a trip to France before applying for the policy and had lied on her application. The beneficiary sued the insurer, arguing that the woman did not intend to misrepresent her travel plans and that they were not material to her risk of death.
Claim 9: A man applied for a life insurance policy and stated that he did not have any life-threatening illnesses. He died of AIDS six months later. The insurer denied the claim, alleging that he had been diagnosed with HIV before applying for the policy and had concealed this information on his application. The beneficiary sued the insurer, arguing that the man did not know about his HIV status and that it was not material to his risk of death.
Claim 10: A woman applied for a life insurance policy and stated that she did not have any history of substance abuse. She died of a heroin overdose two years later. The insurer denied the claim, alleging that she had been addicted to heroin for years and had lied on her application. The beneficiary sued the insurer, arguing that the woman did not intentionally misrepresent her substance abuse history and that it was not material to her cause of death.
Claim 11: A woman applied for a life insurance policy and stated that she was a U.S. citizen. She died of natural causes three years later. The insurer denied the claim, alleging that she was actually an undocumented immigrant and had used a fake identity to obtain the policy. The beneficiary sued the insurer, arguing that the woman did not intentionally misrepresent her citizenship status and that it was not material to her risk of death.
Claim 12: A man applied for a life insurance policy and stated that he did not have any life insurance policies with other companies. He died of a heart attack five years later. The insurer denied the claim, alleging that he had several other life insurance policies with different insurers and had lied on his application. The beneficiary sued the insurer, arguing that the man did not know about his other policies and that they were not material to his risk of death.
Claim 13: A woman applied for a life insurance policy and stated that she did not have any history of mental illness. She died of suicide one year later. The insurer denied the claim, alleging that she had been diagnosed with bipolar disorder before applying for the policy and had concealed this information on her application. The beneficiary sued the insurer, arguing that the woman did not intentionally misrepresent her mental health status and that it was not material to her cause of death.
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