Can Life Insurance companies deny paying death benifits to covid -19 victims?

[Hotler]

Claiming an act of God?

[dalton99a]

1. Life insurance covers pandemics

if they already have a policy and didn't lie on their application

[gibraltar72]

2. Some expertise in field.

Very doubtful. Not that they wouldn't try. almost policies have a two year incontestable clause. If you went today to buy and died in 7 days. They could say you had it when you bought and it wasn't disclosed.

[MineralMan]

3. No. Not unless there is a clause in the policy specifically excluding novel pandemics.

Some illness is the cause of most deaths. There can be no blanket exclusions regarding illnesses in life insurance policies or they'd all be worthless.

[SweetieD]

4. Most life insurance is going to pay if you die from an act of god. But there are probably

Force majeure clauses that prevent payout in the even of some extreme unforeseeable circumstance. I.e. like a nuclear holocaust or asteroid or something. Not sure if a pandemic would fall under that.

[Miguelito Loveless]

5. I highly doubt it

since life insurance covers other diseases. The only case where they might have a leg to stand on would be a bio-terror induced disease (like when the Russians kill you).

Insurance companies tried to weasel out of claims on 9/11 claiming an act or war/terrorism, but the outcry caused them to pay up.

[lettucebe]

6. No, act of God is for weather related things -- not a virus

Otherwise they could deny all illness related deaths

[Marrah_Goodman]

7. No- they cannot

I spent 13 years in life insurance.