However, there may be reasons where the claim is denied, such as,
1. Reason for death is excluded by the life insurance policy, such as, suicide within first two years of being insured (1 year in some states). This would not apply to an illness, unless it resulted from an attempted suicide. For instance, subsequent kidney failure or major organ failure due to ingestion of chemicals. This would depend on your life insurance policy and the insurance company.
2. The life insurance policy is accidental death and only pays out a claim based on death resulting from an accident.
3. If the applicant lied on the application about material health issues and those health issues resulted in the insured's death within 2 years of starting the life insurance policy. This refers to the Incontestable Clause, after two years the life insurance policy cannot be voided because of misrepresentation or concealment by the insured in obtaining the policy. However, if death resulted within 2 years and there was found to be concealment of material facts that led to the illness and death of the insured, and that would have affected the underwriting and approval of the life insurance, the claim may be denied.