Denied Life Insurance Claim Prudential

Life insurance companies may deny a life insurance claim based on misrepresentation when the policyholder or the insured provided false or inaccurate information during the application process. Our life insurance lawyers fight denied life insurance claims. Some types of misrepresentation that could serve as a valid basis for denial of a life insurance claim include:

• Age Misrepresentation: If the insured person misrepresented their age when applying for the policy, and the true age would have affected the terms or approval of the policy, the claim could be denied.
• Health and Medical History Misrepresentation: Misrepresenting existing medical conditions, previous illnesses, surgeries, or prescription drug use can lead to a claim denial if the true health status would have influenced the policy’s underwriting or terms.
• Lifestyle and Habits Misrepresentation: Information about lifestyle choices, such as smoking, alcohol consumption, participation in dangerous activities, or certain occupations, may impact the premium rate or insurability. Misrepresenting these factors could lead to claim denial.
• Financial Misrepresentation: If the policyholder misrepresented their financial status, such as their income or outstanding debts, this could be used as a basis for denial.
• Criminal History Misrepresentation: Failing to disclose a criminal history or felony convictions when asked in the application may result in a claim being denied.
• Travel Plans Misrepresentation: Some policies have restrictions related to travel plans, particularly in high-risk areas or during certain events. Misrepresenting travel intentions or destinations could be a basis for denial.
• Occupational Misrepresentation: If the insured failed to disclose a high-risk occupation or misrepresented their job duties, and this information would have influenced the policy’s terms or premium, the claim could be denied.
• Hobbies and Activities Misrepresentation: Certain hobbies or activities, like skydiving, rock climbing, or extreme sports, might affect the approval and terms of a policy. Misrepresentation in this regard can result in claim denial.
• Foreign Travel Misrepresentation: If the policyholder didn’t accurately disclose their intention to travel or reside in foreign countries, especially those deemed dangerous, it could be used to deny a claim.
• Substance Use Misrepresentation: Failing to disclose the use of illegal drugs or excessive alcohol consumption can lead to a claim denial, especially if these factors played a role in the insured’s death.
• Family Medical History Misrepresentation: Some policies may ask about family medical history. Misrepresenting or concealing relevant family health issues could lead to a claim denial if it’s discovered.

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