Three Hundred Fifty Thousand Pacific Life Claim Won

Failing to disclose convictions could be a basis for a life insurance claim denial because it is considered a material fact that can impact an applicant's insurability and the risk profile of the policy.

When an applicant applies for life insurance, they are required to disclose any criminal convictions they have. This is because a conviction could be an indication of a potential increased risk to the insurance company. For example, if an applicant has been convicted of driving under the influence, it could indicate a higher risk of mortality if they were to die in a car accident.

If an applicant fails to disclose a criminal conviction on their application, and the insurance company discovers this after a claim is made, the insurer may deny the claim or reduce the payout amount. This is because the undisclosed conviction represents additional financial risk that the insurer was not aware of when underwriting the policy.

Other examples of failing to disclose things on a life insurance application that could lead to a denial include:

• Failing to disclose pre-existing medical conditions, such as diabetes or heart disease
• Failing to disclose previous surgeries or medical treatments
• Failing to disclose tobacco or drug use
• Failing to disclose a hazardous hobby or occupation
• Failing to disclose travel to high-risk countries or regions
• Failing to disclose any mental health conditions or history of treatment
• Failing to disclose any dangerous or reckless behavior
• Failing to disclose any material changes in health or lifestyle since applying for the policy
• Failing to disclose any previous denials of life insurance or other insurance policies
• Failing to disclose any pending legal proceedings or litigation
• Failing to disclose any financial difficulties, such as bankruptcy or foreclosure
• Failing to disclose any alcohol-related driving offenses
• Failing to disclose any military service or deployment
• Failing to disclose any family history of hereditary medical conditions
• Failing to disclose any unexplained weight loss or gain
• Failing to disclose any participation in extreme sports or activities
• Failing to disclose any international travel plans
• Failing to disclose any other life insurance policies held by the applicant
• Failing to disclose any name changes or aliases used in the past.

It is important for applicants to disclose all material information truthfully and accurately on their life insurance application to avoid any issues down the line.