Direct answer
Claims are often denied if the insurance company determines there was a material misrepresentation or an undisclosed pre-existing condition on your initial application. It depends on whether the policy’s contestability period has expired and if the specific condition was required to be disclosed under the policy terms.
Standard life insurance underwriting guidelines and state-specific insurance contract law. For additional information about how state laws govern insurance contracts and underwriting standards, see the National Association of Insurance Commissioners‘ resource center.
What this means for you
Claims are often denied if the insurance company determines there was a material misrepresentation or an undisclosed pre-existing condition on your initial application. It depends on whether the policy’s contestability period has expired and if the specific condition was required to be disclosed under the policy terms.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
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