Itâs not as bad as it seems though. This is another case of Nature knowing what it needs more than we humans know. Often, a duck can successfully hatch a nest of eggs in a parking lot, shrubbery and other seemingly âun-wildâ places. Female ducks invest a lot of energy scouting out a nest site before building the nest.
Even unintentional mistakes can cause a life insurance claim to be rejected if it is considered a material misrepresentation. 4) Any undisclosed pre-existing condition can cause your life insurance claim to be denied. As long as it would have affected your insurance companyâs decision to offer coverage, any pre-existing condition that is discovered during the contestability period can cause your life insurance claim to be denied â even if it is completely unrelated to the insuredâs cause of death.
Events such as dismemberment due to a suicide attempt would fall under life insurance and would be an exclusion. It would not fall under an accidental death policy.. For example, if you commit suicide or attempt to hurt yourself on purpose, the AD&D policy would not pay out. The same holds true if the accident or your death is caused by a war. The policy would not pay out if the death or loss is caused by physical or mental illness, or if you die during surgery. And a bacterial infection, drug overdose or a hernia that contributes to your death or an accident would not be covered under AD&D, according to the language in many policies.