Most life insurance companies have an "Incontestable Clause". It states that the insurance company will not contest any claim after two years, except in the case of fraud. Some insurance professionals claim that they can contest a claim if there is material non-disclosure, on the grounds of fraud.
I hold a different view - that the insurance company has to prove that there is fraudulent intent, in order to reject a claim after two years. I find that insurance professionals are too ready to reject a claim, even on weak grounds.
My position appears to be supported by this chapter from a textbook on "Principles of Risk Management and Insurance" by George Rejda.
The incontestable clause states that the insurer cannot contest the policy after it has been inforce two years during the insured's lifetime. After the policy has been in force for two years, the insurer cannot later contest a death claim on the basis of a material misrepresentation, concealment, or fraud when the policy was first issued. The insurer has two years in which to discover any irregularities in the contrct. With few exceptions, if the insured dies, the death claim must be paid after the contestable period expires.
The purpose of the incontestable clause is to protect the beneficiary if the insurer tries to deny payment of the claim years after the policy was first issued. Because the insured is dead, he or she cannot refute the insurer's allegations. As a result, the beneficiary could be financially harmed if the claim is denied on the grounds of a material misrepresentation or concealment.
The incontestable clause is normally effective against fraud. If the insured makes a fraudlent misstatement to obtain the insurance, the compnay has two years to detect the fraud. Otherwise, the death claim has to be paid.
However, there are certain situations where the fraud is so outrageous that payment of the death claim would be against public interest. In these cases the insurer can contest the claim after the contestable period runs out. They include the following:
> The beneficiary takes out a policy with the intent of murdering the insured.
> The applicant for insurance has someone else take a medical examination.
> An insurable interest does not exist at the inception of the policy.
E-mail: kinlian@gmail.com. Website: www.tankinlian.com Facebook: www.facebook.com/kinlian
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5 comments:
Hi Kin Lian,
That is for American's consumption and don't apply in Singapore.
For example in America they have true freedom of speech. You can say anything, nobody can sue you. In many Asian countries, they have freedom of speech but no freedom after the speech.
Even in developed first world country, such things happen.
And the majority of the people continue to let that happen.
How come???
Because, to most freedom of speech is not no.1 and not fundamental enough...
Dear Singasoft,
Just an example to verify my point that what happens in USA does not necessarily apply to us.
Freedom of speech may not be No 1 but it is still important.
There are people in Asian countries who can insult and defame others because they are financial and politically powerful and get away with it.
If we guys do it we will be sued upside down, jailed, fined or even killed.
In my opinion, to most Singaporean, freedom of speech is not fundamental enough...
I suspect due to our education from very young...Singaporeans, by and large, are very obedient people..
30 years down the road, I forsee there will be little change in term of the true freedom of speech..
Dear Singasoft,
I agree that "there will be little change in terms of true freedom of speech"
I am not hoping for that. But at least we should consider a standard of freedom of speech equivalent to advance and developed nation, and not at the same level or even worst to third world countries standard.
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