Minneapolis Life Insurance Lawyer

Can a life insurance claim be denied for alleged misrepresentation if the application was completed by an agent?

Yes. Insurers may still assert misrepresentation, but disputes often focus on whether the agent recorded the answers correctly and whether the insured relied on the agent.

Can a life insurance claim be denied for failing to disclose a condition the insured did not know about?

Yes. Insurers may attempt this, but they must show the insured knew or reasonably should have known about the condition.

Can a life insurance claim be denied for omission of a medication that was discontinued years earlier?

Yes. However, older or unrelated medications often fail the materiality requirement unless tied to a significant condition.

Can a life insurance claim be denied during the contestability period based on application errors made by the insurer?

No. Insurers cannot rely on their own clerical or underwriting errors to rescind a policy.

Can a life insurance claim be denied if the insurer claims the insured guessed on application answers?

Yes. Insurers may argue answers were inaccurate, but they must prove the information was false and material.

Can an ERISA life insurance claim be denied because the employee’s coverage election was lost by the employer?

Yes. Administrative errors can lead to denials, though courts may consider whether the employee reasonably believed coverage existed.

Can a FEGLI life insurance claim be disputed if the beneficiary designation form was submitted electronically but not saved?

Yes. If the designation is not reflected in official records, disputes may arise over whether it was properly completed.

Can an SGLI life insurance claim be delayed if the beneficiary designation names multiple people with similar names?

Yes. The insurer may delay payment while verifying the identities of the listed beneficiaries.

Can a VGLI life insurance claim be denied if the veteran attempted to pay premiums but the payment was rejected?

Yes. Disputes may arise over whether the payment attempt should have kept the policy in force.

Can a life insurance claim be denied because of an exclusion related to alcohol use even below legal limits?

Yes. Insurers may attempt to apply such exclusions, but they must prove the exclusion clearly applies under the policy language.

Can a life insurance claim be denied for alleged criminal conduct that was not proven in court?

Yes. Insurers may rely on allegations, but they must provide evidence and show a causal link to the death.

Can a life insurance claim be denied if the cause of death is listed as unknown?

Yes. Insurers may delay or deny claims, but ambiguity in cause of death often favors the beneficiary.

Can a life insurance claim be denied based on selective interpretation of medical records?

Yes. Insurers sometimes rely on partial records, but courts often require a complete and balanced review.

Can a life insurance claim be denied for failure to provide documents that the insurer could obtain itself?

No. Insurers are expected to make reasonable efforts to obtain available records rather than shifting the entire burden to the beneficiary.

Can a life insurance claim be denied because the beneficiary delayed submitting the claim?

Yes. However, insurers must show the delay caused actual prejudice to their investigation.

Can a beneficiary dispute lead to an interpleader even if one claim is clearly weaker?

Yes. Insurers often file interpleader actions whenever there are competing claims to avoid the risk of paying the wrong party.

Can an ERISA life insurance claim be denied based on discretionary authority granted to the insurer?

Yes. Many ERISA plans give insurers discretion, but courts may overturn decisions that are arbitrary or unsupported.

Can a FEGLI claim be delayed if the insurer questions whether the beneficiary form was properly signed?

Yes. The insurer may review signatures and records before determining whether the designation is valid.

Can an SGLI claim be challenged if the beneficiary designation was made during a stressful deployment period?

Yes. Disputes may arise over whether the designation was validly executed under the circumstances.

Can a VGLI claim be denied if the insurer claims the application was never fully processed before death?

Yes. The insurer may argue coverage was never in force, leading to disputes over whether the application requirements were satisfied.