Can a death claim be denied if the insured had a pre-existing condition and the insurance company did not require a medical exam?

Can a death claim be denied if the insured had a pre-existing condition and the insurance company did not require a medical exam?

The company requested medical records after my sister died. They stated they need medical records because she died before the 2 years but they did not require a medical exam before issuing the policy. Can they deny me payment? The money goes to the funeral home. She died over 6 months ago and I’m still waiting on payment.

Asked on March 2, 2012 under Insurance Law, South Carolina

Answers:

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