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Why Do Life Insurance Claims Get Denied For Beneficiaries Of A Policy?

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?
Life Insurance - Question 12
They are looking for information to determine whether they can find a way to deny the claim based on material misrepresentation. When a death occurs within a few months of the policy being issued the suspicion levels are high and insurers will not rush to a decision to pay until a complete investigation is carried out.
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Other Similar Questions

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?

I am the beneficiary of my mother’s life insurance policy. When she passed away at the age of 69, the insurance company denied me the $200,000 benefit amount, accusing my mother of giving fraudulent answers when she had first purchased the policy over 15 years ago. They have mailed me a cheque in the sum of $30,000, the total premiums she had paid over the years. What should I do?

What is a contingent beneficiary?

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.