Question : Do life insurance companies check your medical records after you die?
Let's say that you get life insurance and claim to be a non-smoker. Then let's say that you start smoking or resume smoking. Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?
- asked by Dick J
All Answers:
Answer #1
I am unsure if answering this question in thenegative would contribute to fraud.Perhaps youhave a method of assuring that the proposedinsured be around to assist or supervise theinvestigation.In general, death claims are onlyinvestigated if there is suspicion of fraud. Ifthe insurance is within the incontestable period,benefits may be limited to premiums paid, plusinterest. Generally, life insurance contracts areincontestable after having been in for two years.
- answered by friendlystranger65
Answer #2
if you died from a smoking related illness then nothey wouldn't pay out the benefit. They will askto see your death certificate and that will statewhat you died of, if they are suspicious they willinvestigate further. There isn't any point payingthe monthly premiums on a policy you have lied onbecause they rarely will pay out.
- answered by Gemlou
Answer #3
after you die, yes. And it's called "voiding thepolicy", and it's YOUR lie that voids the policy,the insurance company just finds out about it.
- answered by mbrcatz17
Answer #4
Your application must be truthful at the time youapply. If you aren't a smoker when you apply, butpick up the habit down the road, there's no fraudand the insurance company will pay. You neversigned anything stating you will NEVER smoke.Proving that a dead person committed fraud isextremely difficult! Once they agree to insureyou, they're are obligated to do so unlesssomehow, someway, they prove fraud, which again isextremely difficult!
- answered by Wife2D Mom2A
Answer #5
There is a cost to acquiring medical records, sothey wouldn't do this just for fun. If you dieduring the contestability period, you betterbelieve they want to make sure you didn't make afactual misrepresentation on the application. Ifthey successfully contest the policy, this mayvoid your coverage. Don't lie.
- answered by aaron p
Answer #6
If you die of something caused by smoking...theywill likely check your records a bitBUT they'llstill pay the claim - minus the amount you"should've paid" for premiums as a smoker
- answered by Tori
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