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Life Insurance Law
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General Life Insurance Questions


FAQs

Is a physical exam needed?

Who regulates them?

What is group life insurance?

What is individual life insurance?

Can I buy a policy on someone else's life? What is an ‘insurable interest’?

If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?

Can I name any beneficiary I choose?

If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?

What happens if the insured person dies?

I am pretty sure that my deceased grandmother had a life insurance policy, but I have no paperwork or other record. Is there a way that I can find out?

Do I need a lawyer to help me file a death claim?

Should a minor child be named as a beneficiairy of life insurance proceeds?

Can a life insurance company deny a claim on a valid policy if the insured dies?

I have a large term-life policy in which my sister and brother-in-law are sole beneficiaries. On my behalf, they are paying the annual premium. Are there any tax consequences if they remain (1) beneficiaries or (2) joint owners of the policy? Is it necessary to inform the insurance company that my beneficiaries are paying the premium?

What are ‘exclusions’ and ‘limitations’ and how do they affect my life insurance coverage?

I was denied life insurance recently because, as a minor, I had been committed for attempted suicide. That incident occurred a number of years earlier. Can the company after a lapse of so many years use mental health as a reason to deny my application?

Why are life insurance companies regulated by the government?

Life insurance companies do a process called ‘underwriting’. What does that entail?

Can an insurance company refuse to sell me insurance for any reason it chooses?

My mom is applying for a life insurance policy for my father who, up until now, has been the picture of health. A recent medical examination however showed an inoperable growth, which may be cancerous. What happens if my mom lies on the medical questions?

Are there any limitations on what an insurance company can charge for insurance?

Life insurance seems complicated -- what are the basics?

Can an insurance company cancel my policy for any reason it chooses?

What is a life insurance policy?

Can I cancel my policy at any time and will there be a penalty?

What problems might we run into when filing a death claim?

What is an ‘insurable interest’?

What if the insured lied about a heart attack?

What am I required to do when I have a claim?

What if the insured lied about his age?

What factors are considered in individual life insurance underwriting?

What if the insured lied about his smoking?



Related Information
» General Life Insurance Questions
» Life Insurance Articles
» Beneficiaries
» Buying life insurance
» Cancellation
» Eligibility
» Exclusions and limitations
» Death claims
» Government regulation
» Physical examination
» Rates
» Tracking down missing policy and benefits
» Types of life insurance
Topics Related To Life Insurance Law
» Insurance Law
» Auto Insurance
» Business Insurance
» Long Term Care
» Disability Insurance
» Health Insurance
» Insurers Bad Faith
» Life Insurance Law
» Property Insurance
» Viaticals
 
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