Life Insurance Claim: High Blood Pressure Not Disclosed

Our client’s husband died unexpectedly at age 48 following a massive heart attack.  The insurance company denied her claim for her husband’s life insurance benefits because he had not disclosed his history of high blood pressure on his life insurance application.

We first looked to see whether our client’s deceased husband did not know or had forgotten about his high blood pressure when he filled out the application.  If so, the insurer could not deny benefits on the grounds of the non-disclosure.  However, when Stennett & Casino obtained the insurance company’s records we found the insurer knew from its own medical examination that our client’s husband weighed over 300 pounds, had high blood pressure and an abnormal EKG.  Therefore, the insurance company was not misled by the husband’s failure to check the box on the application indicating high blood pressure and they could not deny the claim.

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