Why would a life insurance claim be rejected?

Insurance companies may choose to reject a claim on a life insurance policy for several potentially legitimate reasons, including:

• The failure to disclose pre-existing medical conditions that would have rendered the insured person ineligible for a policy
• Circumstances of the insured’s death that fall within a policy exclusions (e.g. suicide)
• Untimely filing of a claim under the terms of the policy
• Failure to provide sufficient information regarding the insured’s death
• Cancellation of the policy for nonpayment of premiums
• Multiple claims made by competing beneficiaries