Life Insurance Lawyer Morgantown West Virginia

Material misrepresentation: If the policyholder was diagnosed with COVID-19 before applying for life insurance but failed to disclose this on the application, the insurance company may deny the claim. This is because a failure to disclose relevant health information is considered a material misrepresentation and can invalidate the policy.

Cause of death exclusion: If the policy includes an exclusion for death resulting from infectious diseases, the insurance company may deny the claim if the policyholder died from COVID-19.

Lapse in premium payments: If the policyholder failed to pay their premiums due to financial difficulties related to COVID-19, the policy may have lapsed, and the insurance company may deny the claim. This scenario is more likely to occur with term life insurance policies that require ongoing premium payments.

Contestability period: If the policyholder died from COVID-19 within the contestability period, which is typically the first two years of the policy, the insurance company may investigate the circumstances of the death to determine if any misrepresentations were made on the application. If the insurance company discovers any misrepresentations, it may deny the claim.