Why Are Life Insurance Claims Denied?

Life insurance claims can be denied for many reasons. The insurance company may suspect that you lied about certain health conditions, like whether or not the policyholder was a smoker or diabetic. They may question whether or not a specific scenario is covered under a certain policy.

We spoke to attorney Marc Whitehead to learn more about why a claim might be denied--and what you can do if you think they denied a claim unfairly.

Marc Whitehead is a lawyer based in Houston, TX, who handles insurance claims throughout the country. Reach him directly at 888-367-1611. Learn more at his AskTheLawyers.com™ profile: https://bit.ly/2Of72OH

Topics covered in this video:

0:31 - What is “The Life Insurance Claims Kit”?
1:12 - How can you obtain the book?
1:37 - Why would life insurance be denied? Is it common?
3:17 - What is material misrepresentation? Can that lead to a denied claim? (i.e. saying you are a non-smoker when you are in fact a smoker, failing to disclose a major health condition, etc)
5:06 - What if you miss a premium? Is there a grace period for a late payment? Does that automatically cancel the policy?
6:15 - What is the suicide exclusion? What if someone buys a policy and then commits suicide shortly thereafter?
7:28 - What is an accidental death and dismemberment claim?
8:58 - Why are accidental death and dismemberment claims denied so often?
10:10 - What should you do after a life insurance claim is denied?

This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.