Do life insurance companies refuse to pay your claim because the insured consumed alcohol? The simple answer is yes. claimants for benefits to the deceased are usually rejected unfairly when alcohol is involved.
Your claim for death benefits denied due to the fact that the insured drank alcohol? Did the insured’s death result from the effects of alcohol use? Did the insured drink at the time of their death, however their death was not due to alcohol? be related to alcohol consumption or abuse?
In many instances, when the life insurance company refuse claims to beneficiaries due to drinking habits, we can assist you in getting your claim approved by contesting the life insurance claim denied alcohol.
The reason Insurance Companies frequently deny Life Insurance Claims Due to Alcohol Consumption.
Insurance companies earn profits for shareholders when they refuse the claims of life insurance. This is why they’ll look for every excuse, no matter how unlikely they may be, to reject your claim at first.
Does Alcohol Affect Life Insurance?
Alcohol consumption is a factor that can influence the way a life insurance policy is paid or whether the person applying for insurance will be covered.
If an insured declares in their initial application in life insurance they drink alcohol, the adjuster will take that information into consideration when drafting the policy. Life insurance companies usually justify their denials of claims for life insurance by arguing that drinking may affect the amount of the premiums that an insured pays and could cause a denial of an application.
Can Life Insurance Pay Out for an alcohol-related death?
In certain situations life insurance may be paid out upon the demise of an insured that suffered from alcoholism. If the insured dies from reasons that were not directly related to alcohol consumption or abuse It is usually feasible for an attorney obtain the life insurance claim settled.
What could be the reasons for a Denial of a Death claim due to Alcohol?
Here are the kinds of deaths that are that are not insured by life insurance if alcohol is in the mix:
The Policy includes an Alcohol Exclusion for Intoxication
A number of life insurance companies are able to add an exclusion clause to policies that exempt deaths directly or indirectly resulting from drinking alcohol from the coverage. If an insured is drunk and passes away due to any reason the insurance company can not accept the claim based on this exclusion.
Incorrect information on the Initial Application as well as the Medical Questionnaire
If the insured does not make the mention of alcohol usage or does not disclose the existence of alcoholism in the past or present and the cause of death for the insured was in any way connected to alcohol the insurance company will probably decline the life insurance claim of death benefits due to alleged false representations made by the insured.
Sometimes, we can settle these claims by settling for what is the cost of death less the amount that the insurance company would’ve paid had the underwriter been aware that the insured had consumed alcohol.
The insured died during the Contestability Period
When the policyholder dies inside the two years from the date of purchase The insurer will look every excuse to reject the life insurance claim regardless of whether the reason is none whatsoever to do with reason of death.
In the case of an example in the event that an insured fails to declare that they had consumed alcohol in a social setting, and later dies from something that has no connection with alcohol like mesothelioma The insurance company could argue that the insured did not disclose his identity and reject the claim for life insurance.
We’re often able to have the claims paid particularly when the death is not related to alcohol consumption or abuse.
The insured was killed while doing Something illegal
If the insured dies in the course of doing something illegal, such as drinking and driving, the insurer may decline the life insurance claim of the prohibition on illegal acts. If the insured enjoyed several drinks at a party with a friend event, and then accidentally trespassed into the yard of a neighbor on their return trip, and then was struck by a fallen branch and died, the insurance company might make use of the few drinks consumed to refuse any life insurance claims.
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