Life Insurance Lawyer Huntington West Virginia

Suicide: If the policyholder died by suicide with a gun, the insurance company may deny the claim. Many life insurance policies include a suicide exclusion clause that prevents the insurer from paying out the death benefit if the policyholder dies by suicide within a certain time frame after the policy is issued, typically one or two years. If the policyholder dies by suicide after the exclusion period has expired, the insurance company may still deny the claim if there is evidence that the policyholder intentionally took their own life.

Criminal activity: If the policyholder was engaged in criminal activity at the time of their death, such as committing a robbery with a gun and getting shot by the police or victim, the insurance company may deny the claim. Many life insurance policies exclude coverage for death resulting from criminal activity.

Misrepresentation: If the policyholder misrepresented their ownership or use of a gun on the insurance application, the insurance company may deny the claim. For example, if the policyholder stated on the application that they did not own a gun when in fact they did, and then died as a result of a shooting, the insurance company may deny the claim.

Intentional harm: If the policyholder used a gun to intentionally harm themselves or others, the insurance company may deny the claim. Many life insurance policies exclude coverage for death resulting from intentional acts.