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Page A-569
Cause of Death and Exclusions:
Natural Causes or Illness: If the policyholder dies due to an undisclosed pre-existing medical condition , the insurer may deny the claim if it was not disclosed during the application process.
Page A-480
Common Life Insurance Exclusions to Watch Out For
Non-Disclosure or Misrepresentation of Material Facts: If the policyholder dies as a result of a pre-existing medical condition that wasn’t disclosed during the application process, the insurer might refuse to pay the death benefit. Instead of excluding specific medical conditions, insurers expect applicants to disclose all material information honestly while purchasing a policy. If a policyholder conceals or provides incorrect information about their health, occupation, lifestyle habits (such as smoking or alcohol consumption), or any other material fact that influences the insurer's decision, the claim may be rejected in accordance with applicable laws and policy terms. Providing complete and accurate information at the proposal stage is one of the best ways to avoid claim-related disputes.