Interpleader Lawyer

Life Insurance Lawyer Utah

Our life insurance lawyers in Utah handle delayed and denied life insurance claims, AD&D claims, beneficiary disputes and Utah interpleader lawsuits.

Life insurance claims can be denied if the cause of death falls under an excluded condition or event specified in the insurance policy. These exclusions are typically outlined in the policy contract and may vary from one policy to another. Here are common ways a life insurance claim can be denied due to death caused by an excluded condition or event:

  1. Suicide Clause: Many life insurance policies have a suicide exclusion clause. If the insured person dies by suicide within a specified period (often within the first two years of the policy), the death benefit may be denied, or the policy may only refund the premiums paid.

  2. Homicide or Criminal Activity: If the policyholder dies as a result of their own criminal activities or involvement in illegal acts, the insurance company may deny the claim. This exclusion may also apply if the beneficiary was involved in the criminal activity leading to the death.

  3. War or Acts of Terrorism: Some policies exclude death resulting from war, acts of terrorism, or military service during times of conflict. If the insured dies due to these events, the claim may be denied.

  4. Dangerous Hobbies or Activities: If the policyholder dies while participating in dangerous hobbies or activities that are explicitly excluded in the policy (e.g., extreme sports, skydiving, or racing), the claim may be denied.

  5. Pre-Existing Health Conditions: If the insured person has a pre-existing medical condition that was not disclosed or misrepresented on the insurance application, and their death is related to that undisclosed condition, the claim may be denied.

  6. Intoxication or Substance Abuse: Some policies exclude death resulting from drug or alcohol abuse. If the insured’s death is linked to intoxication or substance abuse, the claim may be denied.

  7. Non-Disclosure or Misrepresentation: If the policyholder provided false information or failed to disclose relevant medical history, lifestyle habits, or other material facts on the insurance application, the insurer may deny the claim based on misrepresentation or non-disclosure.

  8. Non-Payment of Premiums: If the policy lapses due to non-payment of premiums and the insured dies during the period when the policy is not in force, the claim will likely be denied.

  9. Excluded Medical Treatments: Some policies may exclude certain medical treatments or experimental procedures. If the insured dies as a result of a treatment that is explicitly excluded, the claim may be denied.

  10. Excluded Riders or Endorsements: Additional riders or endorsements added to a policy may contain their own exclusions. If the insured’s death is related to a condition or event specified in an excluded rider, the claim for that particular portion of the benefit may be denied.

To avoid claim denials due to excluded conditions or events, it’s essential for policyholders to thoroughly review their insurance policies, understand the exclusions, and make accurate and complete disclosures when applying for coverage. Additionally, beneficiaries should be aware of the policy’s terms and conditions to ensure they meet the requirements for a successful claim.


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