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I know it’s just the cases I read as part of my profession, but it is amazing how many people appear to drop dead within a few days of applying for life insurance. Perhaps agents should have an actionable duty to warn prospective insureds of this phenomenon 😉 Seriously, though, I guess the reason that there does seem to be a disproportionate number of cases is that the insurer is more likely to deny these claims on account of fraud or imperfect contract formation. When you couple the higher denial rate with the confusing state of “temporary life insurance” and the absence of any incontestability barrier to the denial of a life claim, the source of the illusion of a mortality spike becomes clearer.

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