Can A Life Insurance Claim Be Denied? 
Barring extreme cases such as insurance fraud by the policyholder , or insolvency by the insurer , you can depend on the claim being paid . Even if you die from a pre-existing condition . Example : a number of years ago I had a client who unfortunately had a long history of heart attacks . Sadly , he was only in his early forties . And he kind of knew the big one was coming . Every year , he would have me shop for additional coverage . I always disclosed his medical history to the carriers , and you know they charged him a lot . The tragic day finally came and he died on the operating table . I expedited all his claims . One would think there would be long delays since he had died of something in his history . Maybe even a carrier or two would deny the claim ? Nope . Because I had thoroughly prequalified him and everything was above board , most companies took but a few extra days to make sure all was in order . His family received every dime with two weeks . 