Can Life Insurance Deny A Claim?

Yes, a life insurance company can deny a claim for a death benefit if the insured dies.

If an insured commits suicide within the first two years of life insurance coverage, the claim would be denied under virtually any company; however, there is only a one year suicide excision in some states like Colorado.

Also, if someone commits a material misrepresentation (fraud) in their application for life insurance coverage, and that is detected within the first two years of being insured, the life insurance policy would be cancelled with the money refunded.

Otherwise there would be no valid ground for refusing a claim on life insurance.

So, make sure to answer all questions truthfully when you apply for life insurance coverage as it may affect whether or not the life insurance company pays out a claim when you die.