Life insurance can provide a financial payment to your family and loved ones upon your death. When you purchase a life insurance policy, you name a beneficiary who will receive the death benefit specified in the policy upon your death, tax-free. The last thing you want is to see your beneficiary's life insurance claim denied. Unfortunately, there are many reasons why this can happen. The most common way life insurers are able to deny claims on a valid policy where the insured has died within two years is through so-called "material misrepresentation" on the initial insurance application. This refers to the intentional or negligent concealment of a fact, such as the names of doctors visited in the past five or 10 years, or any other information that may have had a negative impact on your application. Insurers often use this legal tactic as a means to avoid honouring an otherwise valid policy. In such cases, it is important to know that any misrepresentation cannot avoid the policy. The misrepresentation has to be "material", meaning it must entail discrepancies in important facts that would have caused the insurance company to not have issued the policy at all. Each time a person dies within two years of the issuance of a life insurance policy, the insurer investigates the matter to see if there are any misrepresentations on the application. If even the slightest mistake is found, the company may attempt to deny coverage and will send back a check for the premiums already paid. Other common reasons for a denied life insurance claim can include a death immediately following the purchase of the policy, death occurred within the life insurance company's contestability period, or the policy may not cover the way the insured died. Whatever the reason for the denied claim, it's important to seek immediate help from an experienced lawyer who can advise you on your next step, especially when your family's welfare is at stake. A denial from the insurance company does not mean the end of the road for your claim and the team at Share Lawyers have years of experience on their side. Let us work diligently on your behalf to fight for the benefits you deserve! Has your life insurance claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.We have recently settled cases against Canada Life, RBC, Manulife, Liberty Health, Teachers Life, London Life and many more.Find out if you have a Disability Case.