Our life insurance lawyers in Mississippi handle delayed and denied life insurance claims, AD&D claims, beneficiary disputes and Mississippi interpleader lawsuits.
A “commission of a crime” exclusion in a life insurance policy can lead to a denied claim when the insured individual dies while involved in criminal activity. This exclusion is typically intended to protect the insurance company from paying out benefits when the insured’s actions are deemed unlawful. Here are some common scenarios in which the commission of a crime exclusion could be the basis for a denied life insurance claim, along with examples:
Death Resulting from Felonious Acts: If the insured individual dies while actively committing a felony, the insurance company may deny the claim. Felonious acts are typically crimes considered to be serious offenses under the law. For example:
Death Resulting from Illegal Drug Use: If the insured dies due to the use of illegal drugs, the policy may have an exclusion clause related to drug-related deaths. For instance:
Death During the Commission of a Crime against the Beneficiary: Some policies include an exclusion if the insured dies while committing a crime against the beneficiary. For example:
Death While Evading Arrest or Engaging in High-Risk Criminal Activities: Policies may include exclusions for deaths that occur while the insured is evading arrest or engaging in high-risk criminal activities. For instance:
Engagement in Acts of Terrorism: Some policies may contain exclusions related to acts of terrorism, and the insured individual’s involvement in such acts could lead to a denied claim.
Engagement in Illegal Street Racing: Policies may have exclusions related to participation in illegal street racing, and deaths resulting from such activities may lead to a denied claim.
Involvement in Organized Crime: If the insured is involved in organized criminal activities, such as organized crime syndicates or criminal enterprises, the policy may have an exclusion clause.
It’s crucial for policyholders and beneficiaries to thoroughly review the terms and conditions of a life insurance policy to understand any exclusions related to criminal activities. Engaging in criminal behavior that falls within the scope of these exclusions can result in a denied life insurance claim.