Contestable claim result · August 10, 2026
$1,003,000 in Contestable Life Insurance Claim
Life Claim represented the widow of a man who died within the two-year contestable period of a $1,000,000 individual term life policy. Because the death fell inside that window, Banner Life opened a contestable review, which allows an insurer to look back through the insured's medical and personal history for anything it believes should have been disclosed on the application.
Contestable reviews can drag on for months while the insurer requests records from every doctor, pharmacy and hospital it can find, and they often end with an attempt to rescind the policy. We stepped in early on behalf of our client to make sure that the contestable review was conducted fairly and timely, and to keep our client from falling into the traps the insurer had set for her, like asking her to sit for a recorded interview.
At the end of its review, Banner Life approved the claim and paid the full $1,000,000 death benefit plus interest and a premium refund, a total of more than $1,003,000.
Every case is different, and past results do not guarantee a similar outcome.