My mom is applying for a life insurance policy for my father who, up until now, has been the picture of health. A recent medical examination however showed an inoperable growth, which may be cancerous. What happens if my mom lies on the medical questions?

Get Legal Help Today

 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: Feb 28, 2009

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 fraud is a felony. But say the DA won’t prosecute. If the insurance company does not pick up the lie, and there is no physical or the paramedical person or doctor also misses it, and the company winds up issuing the policy, and your father dies within 2 years, the insurance company treats the claim as “contestable” and will not pay until after it has concluded an investigation. And you had better believe the company will find out the facts in a case like this. And the company will not pay. (And that’s often when the companies call the prosecutors.)

What if your father dies after 2 years from policy issue, and the company has not caught on before then? (It has to act to “rescind” within the 2 years.) Then that’s a different story. In some states, even with the actual fraud, your mom may collect; in others if there is real fraud, perhaps not. (BUT your mother then may be the subject of criminal charges, as the statute of limitations is usually far longer than 2 years.)

I strongly recommend not lying. Life is too short. And the possible money you may make by cheating an insurance company — even if you can get away with it — is rarely worth the shame and guilt that can result.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption