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 Posted: Tue Feb 07, 2012 1:48 pm Post subject: Accidental Death Life Insurance |
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My step-father died from lung cancer after years of chain smoking. He had a accidental death life insurance in his name with my mother listed as the beneficiary. I was wondering if the policy will pay out since this wasn’t an ‘accidental death’, rather a foreseeable ‘natural’ death. The death certificate has been issued already. Will the insurance company pay the death benefit?
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Krum
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| Posted: Tue Feb 07, 2012 5:11 pm Post subject: Life Insurance |
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Hi,
I think the insurance company won't pay the beneficiary, since it is not the Accidental death |
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missionaryinsurance
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Joined: 07 Feb 2012
Posts: 24
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| Posted: Wed Feb 08, 2012 1:45 pm Post subject: |
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| AD&D (Accidental Death and Dismemberment) policies don't pay out anything in the event of the insured's natural death, which is the case here. Are you sure your step-father didn't have a general life insurance policy with a rider for AD&D attached to it? |
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Heller
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Joined: 02 Jan 2012
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| Posted: Fri Feb 10, 2012 9:30 pm Post subject: |
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| Quote: | | I was wondering if the policy will pay out since this wasn’t an ‘accidental death’, rather a foreseeable ‘natural’ death. |
You answered your own question. You might as well have asked, "Can I get milk from a bull, since only cows give milk?"
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MaxHerr
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