Legal Question in Insurance Law in Tennessee

Re: Cancellation of life insurance policy

If there is a misrepresentation in the application for insurance which is material and the insurance company would not have issued the policy then they can rescind the policy and declare it void from the insception.

Re: Cancellation of life insurance policy

If your brother-in-law died of cancer and cancer was unknown to him at the time of the life insurance application, then the case can be made that the life insurance company is obligated to pay off. Even without knowledge of the cancer, however, the life insurance company may argue that the cancer was existing at the time of the application. If your brother-in-law did not report liver disease on the life insurance application, and he was aware of liver disease, the situation becomes even more complicated. You need to read the certificate of death for the cause of death and, if an autopsy was done, the cause of death listed on the autopsy. It sounds as though this may be a case where a medical expert would have to be retained by your family concerning the onset of the cancer if in fact cancer and not liver disease was the cause of death.