this post was submitted on 17 Jul 2023
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The stupid part is that they're allowed to make exclusions to a "life" insurance policy -- the idea is that they pay out when you're no longer alive. If they take your premiums, they should have to pay out when you die -- the only exception should be if you're provably alive.
They shouldn't pay if you kill yourself. There's an obvious reason why.
I'm not sure if you are implying M. Jatzen killed himself through overdose or not.
Regardless, the issue in this case hase nothing to do with the mechanism of death. The two insurers where aware of the drug use and continued coverage.
"The Court of Appeal ruled that "the insurers properly denied coverage because Mr. Jantzen died as a result of committing the crime of possession of the cocaine that he consumed.""
Presumably this implies that insurance payouts are not required in any case where a claimant was committing a crime.
Die while jaywalking? No payout. Die while torrenting a movie? No payout. Die while turn right on Montréal Island? No payout. Spill blood on your cash when you die? That's defacing currency. No payout.
No, I'm only pointing out the obvious exception to life insurance in general.