Pre-existing condition? Why insurers can't always refuse to pay out on a life insurance claim.

What you should know if an insurer rejects a claim due to a "pre-existing condition." When an insurer refuses to pay a life insurance policy citing a pre-existing condition, the battle is won or lost on the health questionnaire.

It is essential to carefully examine what information the insurer requested and how the contract was formalized. This ruling provides crucial criteria regarding:

The duty to disclose risk: The extent of the insured's obligation.

The limits of generic exclusions: Why they are not valid if the insurer itself did not ask specific questions.