{"id":78653,"date":"2022-12-14T13:31:19","date_gmt":"2022-12-14T13:31:19","guid":{"rendered":"https:\/\/www.justwebworld.com\/?p=78653"},"modified":"2022-12-14T13:35:35","modified_gmt":"2022-12-14T13:35:35","slug":"what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/","title":{"rendered":"What Kind of Deaths Are Not Covered In A Term Life Insurance Policy?"},"content":{"rendered":"<p>Term life insurance is an affordable way to provide your family with years of coverage in the event of a tragic loss. However, not all deaths will necessarily be covered by the insurance provider. Thisarticle will review several scenarios that will not qualify for a death benefit under <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.prudential.com\/personal\/life-insurance\/find-life-insurance-policy\/term-life-products\" target=\"_blank\" rel=\"noopener\">term life insurance<\/a><\/span>.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#7_Deaths_Term_Life_Insurance_doesnt_cover\" title=\"7 Deaths Term Life Insurance doesn&#8217;t cover\">7 Deaths Term Life Insurance doesn&#8217;t cover<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Pre-Existing_Conditions\" title=\"Pre-Existing Conditions\">Pre-Existing Conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Extreme_Hobbies\" title=\"Extreme Hobbies\">Extreme Hobbies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Immediate_Suicide\" title=\"Immediate Suicide\">Immediate Suicide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Murder\" title=\"Murder\">Murder<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Criminal_Activity\" title=\"Criminal Activity\">Criminal Activity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Expired_Policies\" title=\"Expired Policies\">Expired Policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#Fraud\" title=\"Fraud\">Fraud<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.justwebworld.com\/what-kind-of-deaths-are-not-covered-in-term-life-insurance-policy\/#The_Bottom_Line\" title=\"The Bottom Line\">The Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"7_Deaths_Term_Life_Insurance_doesnt_cover\"><\/span><span style=\"color: #993300;\">7 Deaths Term Life Insurance doesn&#8217;t cover<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you or a loved one passes away under the following circumstances, your claim will most likely be denied by the term life insurance provider.<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-78656\" src=\"https:\/\/www.justwebworld.com\/wp-content\/uploads\/2022\/12\/Term-Life-Insurance-Policy.webp\" alt=\"Deaths Term Life Insurance doesn't cover\" width=\"577\" height=\"396\" srcset=\"https:\/\/www.justwebworld.com\/wp-content\/uploads\/2022\/12\/Term-Life-Insurance-Policy.webp 577w, https:\/\/www.justwebworld.com\/wp-content\/uploads\/2022\/12\/Term-Life-Insurance-Policy-300x206.webp 300w, https:\/\/www.justwebworld.com\/wp-content\/uploads\/2022\/12\/Term-Life-Insurance-Policy-145x100.webp 145w, https:\/\/www.justwebworld.com\/wp-content\/uploads\/2022\/12\/Term-Life-Insurance-Policy-380x260.webp 380w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pre-Existing_Conditions\"><\/span><span style=\"color: #008000;\">Pre-Existing Conditions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you pass away from a pre-existing condition that was not disclosed at the time of the application, this can lead to a denial of the death benefit. Before an insurance company issues a policy, they must be made aware of your complete medical history.<\/p>\n<p>Never try to withhold the details of your health conditions. If you&#8217;re afraid that you won&#8217;t be able to qualify for <a href=\"https:\/\/www.justwebworld.com\/what-happens-if-you-dont-have-life-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">life insurance<\/span><\/a>, there are other types of policies you can purchase that don&#8217;t require medical exams or <a href=\"https:\/\/www.hopkinsmedicine.org\/health\/treatment-tests-and-therapies\/screening-tests-for-common-diseases\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">health screenings<\/span><\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Extreme_Hobbies\"><\/span><span style=\"color: #008000;\">Extreme Hobbies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you&#8217;readventurous, like a rock climber or airplane pilot, you may lead an exhilarating lifestyle. However, from the insurance company&#8217;s perspective, extreme hobbies like these are considered reckless and a voluntary endangerment of your life. Therefore, if your death results from one of these activities, it most likely won&#8217;t be covered.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Immediate_Suicide\"><\/span><span style=\"color: #008000;\">Immediate Suicide<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Although suicide is a circumstance covered by <a href=\"https:\/\/www.justwebworld.com\/insurance-policies-should-buy-before-30\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">most term life insurance policies<\/span><\/a>, there is usually a clause in effect for the first one or two years. This is intended to protect the insurance company so that the insured doesn&#8217;t acquire insurance solely to end their lifein an attempt to force financial gain for their beneficiaries. It should be noted that unintentional deaths, such as accidental drug overdose, can also be considered suicide.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Murder\"><\/span><span style=\"color: #008000;\">Murder<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the insured dies as the result of a homicide by one of their beneficiaries (either directly or indirectly through the use of a third party), then the death benefit will definitely be withheld by the insurance company. This is a clause known as the &#8220;slayer rule.&#8221; In this circumstance, the insurance company will most likely pay your death benefit to your contingent beneficiaries who were not involved or your estate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Criminal_Activity\"><\/span><span style=\"color: #008000;\">Criminal Activity<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your death was the result of engagement in <a href=\"https:\/\/www.lawinsider.com\/dictionary\/criminal-activity\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">criminal activity<\/span><\/a> or other illegal actions, then the insurance provider will not pay the claim. Your beneficiaries would have to prove that you were innocent or seek a court judgment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Expired_Policies\"><\/span><span style=\"color: #008000;\">Expired Policies<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the policy were allowed to expire or lapse because of nonpayment, this would also result in nonpayment of the death benefit. This is because the contract will legally no longer be in effect.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fraud\"><\/span><span style=\"color: #008000;\">Fraud<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If at any time you lied to or misled the insurance company, then they would have grounds to deny the death benefit to your beneficiaries. The best thing you can do is always be forthcoming and transparent regarding life insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span><span style=\"color: #993300;\">The Bottom Line<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not all deaths will be covered by life insurance. Ones where you knowingly put yourself in danger (such as criminal activity or extreme sports), and instances where information was withheld or misleading can all constitute a denial of a payout to your beneficiaries. The best policy is always to be forthcoming with the insurance company.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Term life insurance is an affordable way to provide your family with years of coverage in the event of a tragic loss. However, not all deaths will necessarily be covered by the insurance provider. Thisarticle will review several scenarios that will not qualify for a death benefit under term life insurance. 7 Deaths Term Life [&hellip;]<\/p>\n","protected":false},"author":974,"featured_media":78656,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[15503],"tags":[33542,16287,13481,53424],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Kind of Deaths Are Not Covered In A Term Life Insurance Policy?<\/title>\n<meta name=\"description\" content=\"If you or a loved one passes away under the following circumstances, your claim will 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