Can an insurancecompanydeny a claimbased on “materialmisrepresentation” if the healthissuebeingcontested is not related to the illness or injurythat has prompted the claim for benefits?
Yes. People often believe that if, for example, they have been diagnosed with a form of cancer, but the alleged misrepresentation is regarding high blood pressure, that those two items seem to be unrelated and the misrepresentation appears to be irrelevant. Claims denied based on materialmisrepresentation turn on the question of, firstly, whether the answer to the question was inaccurate, and secondly, whether the disclosure of the prior medical condition would have been “material” to the insurancecompany’s decision to issue the policy. If in doubt, contact an experienced insurance lawyer for further guidance and advice.
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.
Here are some commonly asked questions to get you started:
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