Our top life insurance lawyers fight all suicide denials.
Globe Life Insurance Dispute: Charles died by suicide within two years of purchasing a life insurance policy. Globe denied the claim under the suicide clause. The beneficiary sued, arguing that the insured was not mentally competent when he signed the policy and that the insurer failed to disclose the suicide clause. The court ruled in favor of the insurer, finding that the insured was competent and that the suicide clause was clear and conspicuous. National Life Insurance Dispute: Willy died by suicide after being diagnosed with terminal cancer. He had a group life insurance policy through his employer, which did not have a suicide clause. However, the insurer denied the claim, alleging that the insured misrepresented his health condition when he enrolled in the policy. The beneficiary sued, claiming that the insurer waived its right to contest the policy by accepting premiums and issuing a certificate of coverage. The court ruled in favor of the beneficiary, finding that the insurer did not prove fraud or misrepresentation by the insured.
Equitable Life Insurance Dispute: Deron died by suicide within two years of purchasing a term life insurance policy. The insurer denied the claim under the suicide clause. The beneficiary sued, contending that the insured’s death was accidental, as he did not intend to kill himself but only to inflict pain. The court ruled in favor of the insurer, finding that the evidence showed that the insured acted deliberately and intentionally to cause his own death. Primerica Life Insurance Dispute: James died by suicide within two years of purchasing a whole life insurance policy. The insurer denied the claim under the suicide clause, but refunded the premiums paid by the insured. The beneficiary sued, seeking to recover the policy’s cash value, which was higher than the premiums. The court ruled in favor of the beneficiary, finding that the policy’s cash value was part of the death benefit and that the insurer could not retain it under the suicide clause.
Penn Mutual Life Insurance Dispute: Hank died by suicide within two years of purchasing an accidental death policy. The insurer denied the claim, stating that suicide was not covered as an accident. The beneficiary sued, arguing that the insured suffered from depression and anxiety and that his death was caused by an uncontrollable impulse. The court ruled in favor of the insurer, finding that suicide was not an accident within the meaning of the policy. Nationwide Life Insurance Dispute: Rajveer died by suicide within two years of purchasing an accidental death policy. The insurer denied the claim, stating that suicide was not covered as an accident. The beneficiary sued, claiming that the insured was intoxicated at the time of his death and that his judgment was impaired. The court ruled in favor of the insurer, finding that intoxication did not negate the intentional nature of suicide.
Midland National Life Insurance Dispute: Anthony died by suicide after his group life insurance policy through his employer expired. He had received a notice from his employer informing him of his right to convert his policy into an individual one, but he did not do so before his death. The insurer denied the claim, stating that he was no longer covered by any policy. The beneficiary sued, alleging that the employer failed to send him a proper conversion notice and that he was unaware of his conversion rights. The court ruled in favor of the beneficiary, finding that the employer breached its fiduciary duty to provide adequate notice and that it was liable for the death benefit. Corebridge Financial Life Insurance Dispute: Lowell died by suicide within two years of purchasing a term life insurance policy. He had increased his coverage amount shortly before his death. The insurer denied the claim under the suicide clause for both the original and increased amounts. The beneficiary sued, asserting that the increased amount should be paid because it was a separate contract and not subject to the exclusion period. The court ruled in favor of the insurer, finding that the increased amount was part of the same policy and subject to the same terms and conditions.
MetLife Life Insurance Claim Dispute: Donald died by suicide within two years of purchasing a term life insurance policy. He had named his wife as his primary beneficiary and his children as his contingent beneficiaries. After his death, his wife filed for divorce and waived her rights to his estate. The insurer denied the claim under the suicide clause and refunded the premiums to his estate. His children sued, arguing that they were entitled to receive the death benefit as the next in line beneficiaries. The court ruled in favor of the insurer, finding that the wife’s waiver did not affect her status as the primary beneficiary and that the children had no claim to the policy. Protective Life Insurance Claim Dispute: Richard died by suicide within two years of purchasing a term life insurance policy. He had named his girlfriend as his beneficiary. After his death, his ex-wife sued, claiming that she was entitled to receive the death benefit as his legal spouse. The insurer denied the claim under the suicide clause and interpleaded the funds into the court. The court ruled in favor of the girlfriend, finding that she was the valid beneficiary and that the ex- wife had no interest in the policy.
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