Our life insurance lawyers are happy to announce a resolved $425,000 denied life insurance claim.
Life Insurance Policy Exclusions, Regular Policy and AD&D Policy
The typical exclusions on a regular life insurance policy can vary depending on the specific policy and the insurance company offering it. However, some common exclusions on a regular life insurance policy may include:
Suicide: Many life insurance policies include a suicide clause that excludes coverage if the insured person takes their own life within a certain period after the policy is issued.
Pre-existing medical conditions: If the insured person had a pre-existing medical condition at the time the policy was issued, the policy may exclude coverage for any claims related to that condition.
High-risk activities: If the insured person engaged in high-risk activities, such as extreme sports or dangerous hobbies, the policy may exclude coverage for any claims related to injuries sustained during those activities.
Illegal activities: If the insured person was engaged in illegal activities at the time of their death, the policy may exclude coverage for any claims related to their death.
On the other hand, an accidental death and dismemberment (AD&D) policy typically covers only accidental death and injuries, not natural causes of death or illnesses. Some common exclusions on an AD&D policy may include:
Self-inflicted injuries: If the insured person intentionally injures themselves, the policy may exclude coverage for any claims related to those injuries.
War or acts of terrorism: Many AD&D policies exclude coverage for injuries sustained during acts of war or terrorism.
Alcohol or drug use: If the insured person was under the influence of drugs or alcohol at the time of their death or injury, the policy may exclude coverage for any claims related to those circumstances.
Non-accidental injuries: If the insured person's death or injury was caused by something other than an accident, such as an illness or a heart attack, the policy may exclude coverage for any claims related to those circumstances.
It's important to carefully review the terms and exclusions of any insurance policy you are considering, and to ask questions of the insurance company or agent if you are unsure about any aspect of the policy.