What happens if my insurer determines a false claim in the contestability period?
After 2 years, they must allege a fraudulent misrepresentation, which is a higher test that in general can be described as a reckless misrepresentation or omission of facts that the applicant knew or ought to have known at the time of the application.
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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.