What does life insurance cover?

Most causes of death are covered by life insurance, including natural causes, accidents, and illness. There may be stipulations around suicide, however, and life insurance may consider it exempt from coverage within the first number of years of having the policy. Fraud is the most common reason for denial of life insurance claims, and life insurance companies can also deny coverage in cases where a beneficiary murders the policyholder.

Many people are concerned about being denied life insurance coverage due to pre-existing conditions. While there are many conditions that can impact your chance to get coverage, many individuals with pre-existing conditions can still find coverage in some instances. Coverage availability and limits for higher-risk individuals will differ from company to company. If you have a pre-existing condition, the best thing to do is to shop around to see what type of coverage you can receive.

Start by getting a quote from Ethos, which offers life insurance coverage for people with many different pre-existing conditions.

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