Sometimes individuals intentionally misrepresent their health history to obtain life insurance. However, usually problems on the health history application are the result of ambiguous questions, forgetfulness on the part of the applicant or the insurance agent’s eagerness to sell a policy. In any of the later cases, life insurance benefits can be recovered.
Alternatively, the life insurance carrier may deny a claim based on an exclusion in the policy. The specific policy terms and the specific facts of the case must be looked at closely to overcome a denial in these cases.