30 Top Reasons for Denied Life insurance Claims

by Christian K. Lassen on Mar. 13, 2018

Business Insurance 

Summary: Learn the 30 Top Reasons for Denied Life insurance Claims

Top 30 Reasons Why Life Insurance Claims are Denied

 There are countless reasons a life insurance company will deny claims. 

 #1. Life insurance policy lapse

#2 Material misrepresentation 

#3 Type of death excluded from life insurance policy

#4 Failure to submit waiver of premium by employer

#5 Lack of designation on life insurance beneficiary

#6 Beneficiary change on life insurance policy after divorce

#7 State statue revocation of life insurance policy due to divorce

#8 Alcohol exclusion 

#9 Drug exclusion 

#10 Suicide exclusion 

#11 Self-inflicted injury exclusion 

#12 Beneficiary of life insurance policy is a minor

#13 Life insurance policy included in trust or will

#14 Spouse not named as a beneficiary 

#15 Child not named as a beneficiary 

#16 Life insurance policy did not name a beneficiary

#17 Only a primary beneficiary was named

#18 Dispute between life insurance beneficiaries

#19 Incorrect information listed on application

#20 Life insurance premiums were not paid on time

#21 Required documentation not provided to insurance company

#22 Life insurance denied due to preexisting condition

#23 Murder exclusion 

#24 Autoerotic asphyxiation exclusion

#25 Omission on life insurance application

#26 If AD&D policy, death not accidental but a fall or overdose

#27 Health related denial 

#28 Policy clause which disallows payment

#29 Age listed incorrectly on application

#30 Social security number not listed correctly on application

 When you need a life insurance lawyer who handles claims throughout the nation, best to call the Lassen Law Firm:

 The Lassen Law Firm

1515 Market St #1510

Philadelphia, PA 19102



Legal Articles Additional Disclaimer

Lawyer.com is not a law firm and does not offer legal advice. Content posted on Lawyer.com is the sole responsibility of the person from whom such content originated and is not reviewed or commented on by Lawyer.com. The application of law to any set of facts is a highly specialized skill, practiced by lawyers and often dependent on jurisdiction. Content on the site of a legal nature may or may not be accurate for a particular state or jurisdiction and may largely depend on specific circumstances surrounding individual cases, which may or may not be consistent with your circumstances or may no longer be up-to-date to the extent that laws have changed since posting. Legal articles therefore are for review as general research and for use in helping to gauge a lawyer's expertise on a matter. If you are seeking specific legal advice, Lawyer.com recommends that you contact a lawyer to review your specific issues. See Lawyer.com's full Terms of Use for more information.