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Thread: Dadís life insurance

  1. #11
    Platinum Member DancingFool's Avatar
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    Whether your dad smoking 20 years ago will affect the policy or not is basically in the fine print in the policy, which you can read for yourself. It may or it may not. Depends on the particular policy. However, lying or failing to disclose proper information on your claim is considered fraud and that will definitely be grounds for denial of your claim.

    Basically, just be truthful. If the claim is denied and you have some questions about that or want to know if it's worth fighting the insurance company over that, then you can speak to an attorney.

    Can't speak for Canada, but in the US, you can get a free consultation and attorneys work on a contingency basis on these types of claims. In other words, if they win, they'll take a certain percentage, which isn't even that big, and if they can't, no cost to you unless it goes to court and you'll need to cover filing costs. Granted lawyers won't go forward unless you want to. Also, most contingency attorneys are pretty good at not wasting their time, so if they urge you to go forward, they are pretty certain they'll win. Mostly, these things get quickly settled out of court once an attorney shows up.

  2. #12
    Forum Supporter ~Seraphim ~'s Avatar
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    All forms were filled truthfully. He quit 40 years ago. Smoking had nothing to do with his death. He died because he stopped his dialysis.

    It is $1500. Whether I get it is here or there. It wonít do one thing for me other than by me a keepsake to remember him by.

  3. #13
    Platinum Member Wiseman2's Avatar
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    Excellent. Now it's up to the insurance companies and this estate attorney to carry things forward. Nothing for you to worry about.
    Originally Posted by ~Seraphim ~
    All forms were filled truthfully.

  4. #14
    Platinum Member lostandhurt's Avatar
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    Seraphim,

    Insurance companies have been for the last 15-20 years reviewing the original policy application when it comes time to pay on the policy trying to find a reason not to pay. So if your father put down he was a non smoker and then they find out he did in fact smoke at one time they will claim he was untruthful on his application and void the policy and not pay. I have seen it done with medical policies as well where someone had cancer and the bills stated adding up to a lot of money, a review was done of the original application and the woman had made a simple mistake filling out the form so they claimed she was not forthcoming and tried to cancel the policy and not pay the medical bills. She ended up dying before it was resolved by her husband in court. He won but it just shows how far they will go to so they do not have to pay up.

    If you are or were a smoker you pay a higher premium and after you die if they can prove you were untruthful then they will not pay. I doubt they would give back all the premiums your dad paid in either.

    Your aunt already said he smoked so put down he smoked but quit 40 years ago which is true and see what happens. Unfortunately insurance companies are not generous people and have whole departments dedicated to finding ways to not pay out on a policy.

    Luckily like you said it isn't a huge amount of money.

    How have you been otherwise?

    Lost

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  6. #15
    Forum Supporter ~Seraphim ~'s Avatar
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    Originally Posted by lostandhurt
    Seraphim,

    Insurance companies have been for the last 15-20 years reviewing the original policy application when it comes time to pay on the policy trying to find a reason not to pay. So if your father put down he was a non smoker and then they find out he did in fact smoke at one time they will claim he was untruthful on his application and void the policy and not pay. I have seen it done with medical policies as well where someone had cancer and the bills stated adding up to a lot of money, a review was done of the original application and the woman had made a simple mistake filling out the form so they claimed she was not forthcoming and tried to cancel the policy and not pay the medical bills. She ended up dying before it was resolved by her husband in court. He won but it just shows how far they will go to so they do not have to pay up.

    If you are or were a smoker you pay a higher premium and after you die if they can prove you were untruthful then they will not pay. I doubt they would give back all the premiums your dad paid in either.

    Your aunt already said he smoked so put down he smoked but quit 40 years ago which is true and see what happens. Unfortunately insurance companies are not generous people and have whole departments dedicated to finding ways to not pay out on a policy.

    Luckily like you said it isn't a huge amount of money.

    How have you been otherwise?

    Lost
    See, I have zero clue what he told them because he was a pathological liar and believed his own lies.

    I have been ok as long as I keep working.

  7. #16
    Platinum Member lostandhurt's Avatar
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    Good to hear you are doing okay.

    Keep busy and if you need help reach out. Just call a friend and say I am feeling down and need someone to help keep my mind off all of it. Help them help you. Go for walk to catch up, sit on the phone and talk or whatever to break out of the cycle.

    Don't be surprised if the insurance company sends you a letter explain a reduced payout or no payout. Their shareholders stay happy when they don't pay out.

    Fingers crossed it all goes well and you can use that money to buy a nice memorial for your dad.

    Lost

  8. #17
    Platinum Member Cherylyn's Avatar
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    Contact the insurance company and tell the truth. Tell them your dad quit smoking 40 years ago and passed away due to stopping dialysis. Be forthright and the insurance company will determine what to do at that point. I hope you receive your fair share and I'm very sorry for your loss, ~Seraphim~.

  9. #18
    Forum Supporter ~Seraphim ~'s Avatar
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    Originally Posted by Cherylyn
    Contact the insurance company and tell the truth. Tell them your dad quit smoking 40 years ago and passed away due to stopping dialysis. Be forthright and the insurance company will determine what to do at that point. I hope you receive your fair share and I'm very sorry for your loss, ~Seraphim~.
    The paperwork was filled out honestly and sent in. They have the death certificate already.

  10. #19
    Platinum Member Cherylyn's Avatar
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    Originally Posted by ~Seraphim ~
    The paperwork was filled out honestly and sent in. They have the death certificate already.
    Ok. I hope it works out for you.

  11. #20
    Forum Supporter ~Seraphim ~'s Avatar
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    I have been thinking about what to do with this money if I receive it. I think I will give it to my local Humane Society in his name or the Humane Society back home. Cats were my fatherís favourite animals and mine too.

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