Our top life insurance claim law firm is happy to announce the successful resolution of a $155,000 denied life insurance claim.
Can a life insurance claim be denied due to an act of God, and if so, what are some examples?
Typically life insurance claims cannot be denied solely on the basis of an act of God, as such events are considered beyond human control. However, there may be circumstances in which an act of God could indirectly impact a life insurance claim.
For example, if an insured person died as a result of an act of God such as a hurricane or earthquake, the life insurance claim would likely still be paid out as long as there were no policy exclusions related to such events. However, if the insured person died as a result of a flood or other natural disaster and it was found that they had failed to disclose a history of living in a flood-prone area, the claim could potentially be denied for misrepresentation although rare.
Similarly, if an act of God caused damage to the insured person's property or caused them to lose their job, and they were unable to pay their life insurance premiums as a result, their policy could lapse and a claim would not be paid out.
It's important to carefully review the terms and conditions of a life insurance policy, including any exclusions or limitations related to acts of God or other natural disasters, to fully understand how coverage may be impacted in these situations.
Can participation in a riot or civil disturbance be the basis of a life insurance claim and if so why?
No, participation in a riot or civil disturbance cannot be the basis of a life insurance claim. However, most life insurance policies have exclusions related to criminal acts or illegal activities, which would include participation in a riot or civil disturbance.
If the insured person died as a result of participating in a riot or civil disturbance, it could be considered a criminal act and the life insurance claim would be denied based on the policy's exclusions. Additionally, if the insured person was injured or killed while participating in such activities and it was found that they had failed to disclose this information on their insurance application, the claim could also be denied for misrepresentation.