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?
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.
Was your question answered? Yes
Other Similar Questions
When I expected to receive life insurance benefits after my husband’s death, the insurance company instead returned the premiums and said that my husband did not qualify for coverage. What can I do now?
What if we applied for life insurance and completed the application simply unaware of some information that our doctor did not share?
I just had my second heart attack. Can this be considered a short-term or long-term disability?
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.