Dakota said:
@Lior
Wow, all these exclusions make the policy sound almost useless.
Most policies aim to cover accidents or illness, not high-risk stuff.
I got my life insurance ages ago when they covered most stuff. Policies are different these days!
@Lior
Civil commotion? Like a bar fight? 
@Lior
These policies usually have clear T&Cs about what’s excluded.
@Lior
‘Provoking an assault’ sounds like they’re blaming the victim.
Clove said:
@Lior
‘Provoking an assault’ sounds like they’re blaming the victim.
I think they mean if you started a fight and got hurt. It’s awkwardly worded but probably legal.
Clove said:
@Lior
‘Provoking an assault’ sounds like they’re blaming the victim.
I think they mean if you started a fight and got hurt. It’s awkwardly worded but probably legal.
Yeah, insurers have a way with words. Makes you think twice.
@Clove
Leaving keys in an unlocked car isn’t the same thing, but yeah… insurance loves the fine print.
@Lior
What a mess of a policy!!
@Lior
This policy sounds like it’s just looking for reasons not to pay.
@Lior
Mine doesn’t cover anything related to airplanes either!
@Lior
How did you get all this info so fast?
I have digital copies of my policy and type pretty fast.
Copy-paste, my friend. Also helps if you just checked the policy recently.
Copy-paste, my friend. Also helps if you just checked the policy recently.
Also, sometimes readers just find the timing funny like ‘Hey, just read that too!’
@Oak
Exactly. I recently went over this for inheritance tax reasons.
Joss said:
So sorry for your loss. Can I ask why the life insurance didn’t pay out?
Without knowing OP’s details, sometimes claims are refused, like in cases of suicide.
A lot of policies will cover suicide after the first year or two.
Joss said:
So sorry for your loss. Can I ask why the life insurance didn’t pay out?
Without knowing OP’s details, sometimes claims are refused, like in cases of suicide.
It wasn’t due to suicide, but thanks. I know why people assume that.
Joss said:
So sorry for your loss. Can I ask why the life insurance didn’t pay out?
I want to know this too, as I also have similar cover!
Joss said:
So sorry for your loss. Can I ask why the life insurance didn’t pay out?
I want to know this too, as I also have similar cover!
Our friend, who’s a financial advisor, helped him fill out the form and missed some medical details. He’s denying it now, though.
@Ira
If you could prove that, maybe there’d be a case against him. A solicitor might help.