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Know before you claim
6 clauses that can void a claim at the most vulnerable moment.
If you die within 2 years of policy issue, the insurer can investigate your application and deny the claim.
Most policies exclude suicide within the first 1–2 years. This affects more families than you might expect.
Rock climbing, skydiving, or motorcycle riding may be specifically excluded — even if not disclosed at signup.
Flying a private or non-commercial aircraft is excluded by default in most term and whole life policies.
A missed premium can lapse your policy permanently — even after years of payments and a built-up cash value.
An outdated beneficiary (ex-spouse) or no contingent beneficiary can trigger legal disputes and payment delays.
ClearMyPolicy finds these issues in your specific policy — in plain English.
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