Can a life insurance be cancelled due to a new medical issue that has in occured

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Dec 5, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Green Cove Springs, FL

Asked on 12/05/2011

Can a life insurance be cancelled due to a new medical issue that has in occured My brother has a life insurance policy that he has been paying on for years. However recently he went into the hospital for a cardiac cath and ended up having 6 bypass surgery. His Life insurance now cancelled the policy. Is this legal?

Answer given on December 05, 2011

You stated that your brother has been paying on the policy for years.  Is that two years?  There is a two year contestibility period on all life insurance policy. If they found something inside of that two years that was omitted from the policy application that was material information concerning his health that would have otherwise caused them to decline the policy from the beginning, they may cancel for that reason. When they sent the cancellation letter, did it state why they were canceling?  Was it non payment or material information on the application?  Call them and ask for the reason for the cancellation.  Read our article entitled How to Avoid Having Your Life Insurance Claim Denied.  This may help explain more.  It may be hard for him to find life insurance now due to his heart surgery.  However, there are life insurer that will write a life policy for what they consider to be high risk.  Ask around.  If he still needs a quote on life insurance, go to our quote center and get a quote for a new life policy by clicking here

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption