If you have watched the documentary Don’t Die on Netflix, you will see that Bryan Johnson has used experimental medical treatments to prolong his life, and he flew to Honduras to get gene therapy.
Experimental medical treatments can lead to denied life insurance claims. Regenerative medicine, off-label drug use, immunotherapy, gene therapy, gene editing, and stem cell therapy represent advances in medicine, but their experimental nature can be a basis for a denied life insurance claim. Failure to disclose these therapies, whether intentional or not, can result in life insurance claim denials based on misrepresentation or non-disclosure. Especially during the contestability period, typically the first two years after the policy is issued, insurers have the right to investigate the medical history of the person, which can lead to the claim being denied.
Many life insurance companies have now written exclusions into their policies for deaths resulting from unapproved or experimental therapies. Some fall into regulatory gray areas. If an insured travels abroad for these treatments or participates in an unregulated trial and dies due to complications, insurers may argue that the death resulted from an excluded risk. Similarly, off-label drug use, where a medication is prescribed for a purpose other than its approved indication, can lead to complications or outcomes that insurers might deem outside the scope of covered risks.
Immunotherapy and gene therapy are other treatments in which life insurance companies will try to invalidate the claim. Gene editing such as CRISPR, is another treatment that may lead to a denied life insurance claim.
Our life insurance lawyers from LifeInsuranceAttorney.com will fight all life insurance denials from these medical treatments.