What Percentage Of Life Insurance Claims Are Denied? 
The percentage of life insurance claims denied would be less than 1 % . The reasons for denial are only a couple . First the most common reason for denialis a suicide which is committed within the first two years of the policy in force . Suicide is excluded within the first two years of practically every policy . This protects the insurance company from someone suicidal purchasing a policy while in this state of mind . Second is fraud committed within the first two years . If someone has a illness that would cause a prudent individual to seek medical attention and did not then passed away from this affliction within the first two years . The insurance company would consider this a misrepresentation of health on the application and deny the claim . In today 's information age this is getting more difficult for an individual to get away with . 