Our life insurance lawyers in Illinois handle delayed and denied life insurance claims, AD&D claims, beneficiary disputes and Illinois interpleader lawsuits.
Shootings can be a reason for a denied life insurance claim in various scenarios, depending on the specific circumstances, the terms of the insurance policy, and applicable laws. Insurance policies often have exclusions or limitations related to deaths resulting from criminal activities, including shootings. Here are several scenarios in which shootings may lead to a denied life insurance claim:
Homicide: If the insured dies as a result of being intentionally shot by another person, and it is determined to be a homicide, the insurer may investigate the circumstances surrounding the shooting. Some policies contain exclusions for deaths resulting from criminal acts, including homicides, which can lead to a claim denial.
Suicide by Gunshot: Many life insurance policies have suicide clauses that exclude coverage for self-inflicted injuries or deaths by suicide within a specified period after the policy’s issuance (usually two years). If the insured dies by gunshot and the death is ruled a suicide within this timeframe, the claim may be denied.
Accidental Shooting During Criminal Activity: If the insured was involved in criminal activity at the time of the shooting (e.g., during a robbery or while attempting a crime), the insurer may deny the claim based on exclusions related to deaths resulting from illegal or criminal acts.
Participation in High-Risk Activities: Some life insurance policies have exclusions or limitations related to participation in high-risk or dangerous activities, such as engaging in armed confrontations or violence. If the insured was involved in such activities at the time of the shooting, the claim may be denied.
Misrepresentation or Concealment: If the insured made material misrepresentations or concealed relevant information on the insurance application, and the insurer discovers these misrepresentations during the claims investigation, it can lead to a claim denial. Accurate disclosure of activities, criminal history, and other relevant information is crucial when applying for life insurance.
Contestability Period: During the contestability period (usually the first two years of the policy), the insurer has the right to investigate and contest claims based on material misrepresentations or omissions on the insurance application. If the insured failed to disclose information related to their involvement in shootings or criminal history during this period, the insurer may deny the claim.
Exclusions for Illegal or Reckless Behavior: Some life insurance policies contain exclusions related to deaths resulting from illegal or reckless behavior. If the insured’s involvement in a shooting is deemed to be illegal or reckless, it can lead to a claim denial.
It’s important to carefully review the terms, conditions, and exclusions of a life insurance policy to understand how they apply to shootings or other specific situations
Key Reasons for Life Insurance Claim Denials in Illinois
Purchasing a life insurance policy often brings the expectation that beneficiaries will seamlessly receive death benefits upon the insured’s passing. However, this isn’t always the reality. Life insurance companies commonly utilize various grounds to initially deny beneficiaries’ claims for death benefits, often unjustly.
If you’re grappling with the complexities of dealing with a life insurance company, remember you’re not alone. At Interpleader Lawyer, we’ve assisted numerous Illinois life insurance beneficiaries in obtaining the intended benefits from their loved ones’ policies. Reach out to Boonswang Law today at (855) 865-4335 for a complimentary consultation to discuss your options.
Insufficient Proof of Death: Life insurance companies demand official proof of the insured’s death to process a claim for death benefits. While certified death certificates, obituaries, or funeral home bills are typically accepted, sometimes a foreign death certificate may not suffice for deaths that occur overseas. If your claim faces denial due to inadequate proof of death, don’t hesitate to contact us for assistance.
Lapse or Termination of Policy: Maintenance of life insurance coverage necessitates timely payment of premiums. Failure to do so can lead to policy lapse, resulting in subsequent claims for death benefits being denied. However, lapses in coverage aren’t always the fault of the insured. If your claim was denied citing lapsed payments, reach out to us to explore options for recovering your death benefits.
Application of Policy Exclusions to Cause of Death: Life insurance policies contain various exclusions, with each policy being unique. Common exclusions include death resulting from risk-taking behavior or suicide. If the cause of death aligns with an exclusion in the policy, the insurance company may deny your claim. Contact us if your claim was denied on this basis, and we’ll help you navigate your policy’s exclusions.
Life Insurance Fraud: Fraudulent activities such as faking death or coercion in beneficiary designations can lead to claim denials. Not only do fraudulent actions result in claim denials, but they also carry severe legal consequences for those involved. If you suspect fraud led to your claim denial, seek legal assistance promptly.
Navigating the complexities of life insurance claims can be daunting, especially when faced with claim denials. At Interpleader Lawyer, we’re dedicated to guiding you through these challenges and fighting for your rights. Contact us today to discuss your case and explore your legal options.