Life Insurance Claims After Policyholder Dies From COVID-19

With hundreds of thousands of tragic and untimely deaths resulting from the COVID-19 pandemic, we will naturally see related life insurance claims. While life insurance companies tighten their belts during the current financial turmoil, there is a concern that they will frivolously deny more legitimate claims than normal.

Common reasons for denial include alleged misrepresentations on the policy application or non-payment of premiums. Imagine, for example, that a policyholder with COVID is admitted to the Intensive Care Unit for several months but ultimately succumbs to COVID. Will his or her insurance company deny a claim for death benefits due to non-payment of premiums?

In our experience, insurance companies utterly lack compassion, and will do whatever it takes to protect their underwriting profits. As such, you may need an experienced Minnesota life insurance lawyer to litigate your claim in court.