Our client was denied a $404,000 Americo life insurance claim due to misrepresentation with respect to health history on the application which was successfully resolved.
Other recent Americo claims below in the news.
A claim on a $100,000 life insurance policy was denied by Americo after the plaintiff’s husband died in a motorcycle accident. The plaintiff sued Americo for breach of contract, bad faith, and unfair and deceptive trade practices, but the court dismissed the case. The court found that the plaintiff did not state a valid claim because Americo invoked the policy’s two-year contestability clause, which allowed it to deny the claim if the husband had lied about his health history on the application.
The plaintiff’s mother died of cancer and she sued Americo for denying a claim on a $50,000 life insurance policy. Americo based its denial on the policy’s two-year contestability clause, which enabled it to reject the claim if the mother had not disclosed her true health history on the application. The court ruled in favor of Americo and granted its motion for summary judgment. The court found that Americo had shown that the mother had made material misrepresentations that affected how it assessed the risk and calculated the premium.
After his father died of a heart attack, the plaintiff sued Americo for denying a claim on a $250,000 life insurance policy. Americo claimed that the policy excluded death resulting from illegal drug use and alleged that the father had cocaine in his system when he died. The court did not grant Americo’s motion for summary judgment and found that there was a factual dispute as to whether the father’s cocaine use was a contributing cause of his death.
The plaintiff’s husband died of a gunshot wound and she sued Americo for denying a claim on a $150,000 life insurance policy. Americo argued that the policy excluded death resulting from suicide or self-inflicted injury and alleged that the husband had shot himself on purpose. The court did not grant Americo’s motion for summary judgment and found that there was a factual dispute as to whether the husband’s death was intentional or accidental.
The plaintiff’s son died in a car accident and she sued Americo for denying a claim on a $200,000 life insurance policy. Americo asserted that the policy excluded death resulting from driving under the influence of alcohol or drugs and alleged that the son had a blood alcohol level above the legal limit when he crashed. The court ruled in favor of Americo and granted its motion for summary judgment. The court found that there was no dispute that the son was impaired by alcohol and that his impairment was a proximate cause of his death.
The plaintiff’s husband died in a plane crash and she sued Americo for denying a claim on a $300,000 life insurance policy. Americo maintained that the policy excluded death resulting from engaging in hazardous activities or sports and alleged that the husband was flying a private aircraft without a valid license or proper training. The court ruled in favor of Americo and granted its motion for summary judgment. The court found that piloting a private plane without a license or training was a hazardous activity that fell within the policy’s exclusion.
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