1. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    The percentage of life insurance claims denied would be less than 1%. The reasons for denial are only a couple.

    First the most common reason for denial is a suicide which is committed within the first two years of the policy in force. Suicide is excluded within the first two years of practically every policy. This protects the insurance company from someone suicidal purchasing a policy while in this state of mind.

    Second is fraud committed within the first two years. If someone has a illness that would cause a prudent individual to seek medical attention and did not then passed away from this affliction within the first two years. The insurance company would consider this a misrepresentation of health on the application and deny the claim. In today's information age this is getting more difficult for an individual to get away with.
    Answered on May 26, 2014
  2. 4249 POINTS
    Gary Lane
    President, Lane Independent Agency, Southern California
    If your claim is legitimate you have nothing to worry about. The only issues, other than did they pay the premium, typically are was it a suicide? Suicide will eliminate payment only during the first two years for virtually any company. Thus the claims files are paid virtually universally. Need help? Just talk with a reliable agent. Thank you. GARY LANE.
    Answered on May 26, 2014
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