The rejection of insurance claims by insurance companies may often hear either from friends or others, so that people who become looked difficult to deal with insurance companies. Although insurance companies offer easiness that are enticing to prospective customers, but fears about the claims that are difficult even rejected a special attention of prospective customers to get into insurance.

Hope someone buying an insurance policy is in order to receive the benefits of the insurance products they had when needed, so keep them from economic hardship. However, it is not uncommon life insurance company will refuse to pay insurance claims filed.

Here are 3 reasons most commonly used insurance companies to deny claims types of life insurance:

1. Suicide, When the insured dies as a result of suicide, while still in kontestabel period (one or two years since the policy was published), then the insurance company has the right to refuse to pay the sum assured.

2. Hurting Yourself, At the accidental death insurance (accidental death), there is usually a clause that excludes accidents caused by acts of "self-mutilation". Insurance companies can reject the claim of deaths from accidents caused by speeding on the highway on the grounds that speeding is an act of "self-mutilation".

3. Material Misrepresentations, is an honest statement issued at the time of submission of the application process (underwriting), which the insurance company rejected the insured and not publishing policy. Misrepresentations can be a false statement about his health history, age, occupation, hobbies prospective inheritance rights of insurance. Such as suicide, misrepresentation can only be used as an excuse rejection of claims in the event during the kontestabel and only in relation to the death of pure without engineering. For example, if the insurer does not declare inheritance rights have dangerous hobbies at the time of application but it later died while doing a hobby related to the dangerous hobby.