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Why Has The Life Insurance Company Delayed Payment & Requested Medical Records?

My husband passed away from a heart attack last October. The life insurance policy still hasn't paid out. According to my husband’s family doctor, the insurance company is requesting all of his medical records for review. Why are they doing this?
Life Insurance - Question 9
Insurance companies request medical records in life insurance claims to determine whether there was any misrepresentation either innocent or fraudulent at the time the insurance policy was being purchased. In other words, they are looking for potential grounds upon which to deny the claim. The request for this information in and of itself does not mean that the claim will be denied, but that is the reason it is being requested.
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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.