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Insurance worker reveals the most common mistake that leads to life insurance claim rejection

An insurance worker reveals the one key mistake that jeopardizes life insurance claims after the person passes away.

Insurance worker reveals the most common mistake that leads to life insurance claim rejection
Cover Image Source: TikTok | @opinionatedtanya

Insurance paperwork can be a tricky thing to navigate. Nevertheless, one should always pay attention when filling out insurance-related files so that issues don't come up later. TikTok influencer @opinionatedtanya recently shared a video discussing a grave mistake that people should avoid while getting their life insurance policy. The video has got 2.2 million views and 5,099 comments on the social media platform.

Image Source: TikTok | @opinionatedtanya
Image Source: TikTok | @opinionatedtanya

She begins the video by stating, "This is why you should not lie on your life insurance application." The woman worked with an insurance company and shared how a man called in and told her that his wife died. He was very upset because he had filed a claim for her life insurance policy that got rejected. The woman first offered her condolences since it was her first time talking to the man, pulled up the claim and noticed why it got rejected.

Image Source: TikTok | @opinionatedtanya
Image Source: TikTok | @opinionatedtanya

The woman clarifies that the claim was rejected because of something the wife did. She spoke to the man and explained to him that his wife had failed to disclose all of her health information on the application. The man was still confused and asked for more explanation. She said, "So, I told him that her passing was an underlying condition due to complications of her diabetes."

Image Source: TikTok | @opinionatedtanya
Image Source: TikTok | @opinionatedtanya

The cause of death was ultimately due to kidney failure. This diabetes contributed to her kidney failure; however, the insurance company was not aware that she had diabetes. Upon hearing this, the man was "visibly upset" and questioned why he received some money from the insurance company even though his claim was denied. The woman was also confused, so she checked why the company had sent him a payment.

Image Source: TikTok | @opinionatedtanya
Image Source: TikTok | @opinionatedtanya

It turned out that the man had received a refund for all the premiums that his wife had paid for the policy since she started it two years ago. She explains, "So, essentially, what happened is that we couldn't pay him the death benefit amount on the policy, but we did refund him all of the money that she's paid into the policy so far." This amount came out to $3100 in the end. All of this happened because his wife failed to tell the insurance company about all of her medical conditions.

The woman highlights how the man's wife had reported that she was "fairly healthy" in her insurance application. She also claimed that she had not suffered from any major complications before. The influencer clarified, "With insurance policies, if your policy is under $200,000, they're not gonna ask you for any proof of medical information or any proof from a doctor that says otherwise." Instead, once the person passed away, the company would ask for the individual's medical history to confirm that they did not have any preexisting medical conditions before the activation of the policy.

 

Image Source: TikTok | @mylebaker
Image Source: TikTok | @mylebaker

 

Image Source: TikTok | @winesnobb
Image Source: TikTok | @winesnobb

People on the website found the woman's insights helpful and shared their suggestions about insurance policies in the comment section. @sunshineq33nz said, "This is why it's important to get the highest policy you can while you are young, notify them as you get older and keep them updated with your medical history." @futuremrsj highlighted, "Never give an insurance company a reason to reject your claim. They look for reasons to deny claims. Car, health, life.

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