What Percentage Of Life Insurance Claims Are Denied? 
It would be a tiny number , like a fraction of one percent . It is rare . Life insurance is generally something you need to qualify for in advance - the insured must be insurable , the owner must have an insurable interest , etc. . For a life insurance claim to be denied , after an investigation , the insurance company would have to contest it within the first two policy years on the basis of a material misrepresentation or the insured would have to have committed suicide within the first two policy years . 