Denied claim result · July 29, 2026
$50,000 in Denied Life Insurance Claim for Alleged Misrepresentation
Life Claim represented the daughter of a man who died within the contestable period of his individual life insurance policy.
5Star Life denied the claim for misrepresentation. It pointed to his medical records, which listed COPD, congestive heart failure and an implanted defibrillator, and said he should have disclosed those conditions on his application.
We appealed and laid out the timeline. He applied for the policy in December 2024. His heart attack came the following April, and the defibrillator was implanted that July. The diagnoses the insurer relied on did not exist when he signed the application, so he could not have misrepresented them. An applicant has to answer the questions truthfully as of the day he signs. He has no duty to predict future illness, and an insurer cannot rescind a policy because a person's health got worse after it was issued.
5Star Life reversed its denial and paid the full benefit with interest, a total of more than $50,000.
Every case is different, and past results do not guarantee a similar outcome.
