Denied Sammons or Midland National Life Insurance Claim

Life insurance policies typically require the insured person to provide accurate and complete information about their health, lifestyle, and other relevant factors during the underwriting process. Our life insurance lawyers handle denied life insurance claims. Failure to disclose known risks or medical conditions can lead to a claim denial, as it may be considered a breach of the policy’s terms and conditions.

1. Concealed Health Conditions: If the insured person had a known and serious medical condition (e.g., cancer, heart disease, diabetes) at the time of application but did not disclose it, and that condition was a contributing factor in their death, the claim could be denied.
2. Tobacco Use: If the insured person was a tobacco user but did not disclose this fact on the insurance application, and their death is related to smoking-related health issues, the claim might be denied.
3. Dangerous Hobbies or Occupations: If the insured person had a dangerous hobby (e.g., skydiving, racing) or occupation (e.g., deep-sea diving, high-risk construction), and they failed to disclose it, and their death is related to that activity, the claim could be denied.
4. Criminal Activities: If the insured person was involved in illegal activities or criminal behavior at the time of application, and their death resulted from such activities, the claim may be denied.
5. Misrepresentation: Providing false information on the application, such as incorrect age, incorrect medical history, or other material misrepresentations, can lead to a claim denial.
6. Non-Disclosure of Family Medical History: If the insured person did not disclose relevant family medical history (e.g., a family history of a hereditary medical condition) that could have affected underwriting, and they die from a related condition, the claim may be denied.

It’s crucial for policyholders to be honest and transparent during the application process. Insurance companies rely on the accuracy of the information provided to assess the level of risk and set appropriate premiums. When information is knowingly omitted or misrepresented, it can lead to claim denials.

To avoid claim denials, it’s important to provide complete and truthful information during the underwriting process, and to regularly review and update your insurance policy as your circumstances change. Additionally, if you have questions about your policy or need to make changes, it’s advisable to contact your insurance company or agent to ensure compliance with policy terms and conditions.