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What Does Material Misrepresentation Mean When Life Insurance Denies A Claim?

My father’s life insurance company refused to pay me because of “material misrepresentation.” What does this mean?
Life Insurance - Question 8
An allegation of material misrepresentation means that the insurance company is alleging either a failure to disclose or that the applicant lied about a material fact in their medical or personal history that would have resulted in the policy never being issued from the outset.
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What Is “Misrepresentation” In Insurance Claims?

My wife passed away recently and my children and I are the beneficiaries of her life insurance policy, which she purchased a few months before her death. The insurance company seems to be making excuses not to pay out, and they keep asking for access to more medical records. Why are they doing this to us?

DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!


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.