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