What If Life Insurance Claim Is Denied Based On A Nonsmoker Smoking?

Denial of a claim based on the insured smoking a cigar at a celebration should be reviewed by a lawyer with expertise in life insurance. The cliché, “Where there is smoke, there is fire” seems appropriate in these circumstances, as the insurance company might not be disclosing the whole reason for denying the claim. Even so, if that is the only basis for denying the claim, then it would seem spurious and should be challenged.