Can A Life Insurance Claim Be Denied? 
Even with a death certificate a death claim can be denied . In this very unlikely event , the company will return the premiums paid . Policy provisions allow for a period of time during which they can contest the claim . Suicide is the most obvious reason for declination . Death claims have been denied when the identity of the insured was not adequately revealed in the application . Fraud is a major concern , particularly when death closely follows the issuance of a policy . 