Can A Life Insurance Claim Be Denied? 
Usually , upon presentation of proof of death and a claim form , the claim is paid . However , a claim could be denied , depending on circumstances . In Canada , a claim within the first 2 years could be denied for a material misrepresentation of fact . This essentially means you did not tell or disclose the truth on something that would have changed an underwriting decision . After 2 years you would have to have committed fraud which is much more difficult to prove . A life insurance contract should be approached as a contract of utmost good faith where all parties give full disclosure . In other words , be sure and tell the whole truth and nothing but the truth . Suicide within the first 2 years or last reinstatement would also cause a claim to be denied . If there was an accidental death rider , then that portion of the claim would not be paid unless the death is deemed accidental . . Laws are similar , but vary by jurisdiction . You should check the wording in your policy , your local insurance act and , if necessary , a lawyer . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 