Question

Granville recently passed away from a heart attack, and his wife Greta was surprised to find out that the claim on his insurance policy was denied. What is the most likely reason the claim was denied?

a) There was an innocent misrepresentation on the policy application.
b) There was a reduction provision on the policy.
c) It was an Accidental Death and Dismemberment policy.
d) There was an exclusion for a pre-existing condition on the policy.

Answer 1

The claim on Granville's insurance policy was most likely denied because it was an Accidental Death and Dismemberment policy, which does not cover natural causes of death such as heart attacks.

Step-by-step explanation:

The most likely reason Granville's insurance claim was denied after his passing from a heart attack could be that it was an Accidental Death and Dismemberment (AD&D) policy. AD&D policies typically only pay out in cases of accidental death, not natural causes like a heart attack. If Granville had a condition that was excluded due to it being a pre-existing condition, then that could also be a factor. However, the scenario provided does not directly mention such an exclusion. Innocent misrepresentation or a reduction provision might also lead to claim denial, but these are less likely in comparison to an AD&D policy exclusion.