What if the insured lied about his age?

Get Legal Help Today

secured lock 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 Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 2, 2012

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.

If the insured’s age was understated, suppose he said he was 40 but was really 50 (remember the younger someone is, the lower the premium would be), most policies and state laws enable the insurer to reduce the death benefit. The company provides the same amount of death benefit as the insured would have received for the same premium.

If he said he was 40 years old, and at age 40 a $500 premium would have bought a $50,000 policy, but he was really 50, and that same $500 premium would have purchased only a $32,335 policy, if he dies the beneficiary would get only the lower amount. Unlike other material misrepresentations, it doesn’t matter when the insurer learns about it — the 2 year incontestable provisions do not apply to age.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption