Here are some cases involving act of war exclusions our top life insurance lawyers would like to share:
United Home Life Insurance Company denied a $215,000 claim for a man who died in the 9/11 attacks, arguing that his death was caused by an act of war and not an act of terrorism. The beneficiary won, as the war exclusion clause was ambiguous and did not apply to the 9/11 attacks.
New Era Life Insurance Company denied a $500,000 claim for a woman who died in the Paris attacks, claiming that her death was an act of terrorism and not an accident. The beneficiary won as the policy did not have a clear terrorism exclusion and that the woman’s death was accidental.
Physician’s Mutual Life Insurance Company denied a $275,000 claim for a man who died in the Las Vegas shooting, alleging that his death was an act of terrorism and not a homicide. The beneficiary won as the policy did not define terrorism and that the shooter’s motive was unknown.
Unison International Life Insurance Company denied a $150,000 claim for a man who died in the Kabul hotel attack, asserting that his death was an act of war and not a murder. The beneficiary won as the policy did not have a valid war exclusion and that the man’s death was a criminal act.
National Guardian Life Insurance Company denied a $625,000 claim for a man who died in the Merck cyber attack, contending that his death was a result of a hostile or warlike act or an act of terrorism. The beneficiary won as the policy did not have a specific cyber exclusion and that the attack was not attributable to any state actor.
Delaware Life Insurance Company denied a $175,000 claim for a man who died in the Iraq War, claiming that his death was an act of war and not an accident. The beneficiary won as the policy did not have a clear war exclusion and that the man’s death was accidental.
American Memorial Life Insurance Company denied a $230,000 claim for a woman who died in the Madrid train bombings, alleging that her death was an act of terrorism and not a homicide. The beneficiary won as the policy did not define terrorism and that the woman’s death was a criminal act.
Continental Life Insurance Company denied a $250,000 claim for a man who died in the Mumbai attacks, asserting that his death was an act of war and not a murder. The beneficiary won as the policy did not have a valid war exclusion and that the man’s death was a criminal act.
United Life Insurance Company denied a $380,000 claim for a woman who died in the Brussels bombings, contending that her death was an act of terrorism and not an accident. The beneficiary won as the policy did not have a specific terrorism exclusion and that the woman’s death was accidental.
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