Q: Can a life insurance company refuse to pay a benefit if the policy was in effect at the time of death
The ins.co has said payments had lapsed but was reinstated and paid up at time of death. But also are claiming that they were given false information about the facts of deceased health. The policy was over 7yrs old and the person who was handling finance issues was not beneficiary.
A Georgia attorney could advise best, but your question remains open for two weeks. The short answer is yes, they can deny a claim. And there can sometimes be worthwhile grounds on which to challenge a denial. Not to evade a simple answer here, but a Georgia attorney who handles litigation of life insurance claims is best qualified to answer this question.
They would likely want to review the file in detail, looking at information provided, medical charts, limits of the policy, and other information that would enable making a determination of whether it is viable and worthwhile to challenge the denial. If this involved a family member, I'm sorry for your loss. Good luck
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