Life Insurance and Accidental Death and Dismemberment (AD&D) policies are supposed to give you peace of mind that your loved ones will be provided for in the event of your untimely death. However, after you are gone, life insurance companies often deny payment of life insurance benefits or accidental death and dismemberment benefits for various reasons, such as the insured's death occurring within the contestability period (the first two years of the policy's existence), their perception that the insured falsified information on the policy application, or the allegation that the insured's death falls under some obscure exclusion under the policy.
Despite the flowery pictures painted by television commercials, life insurance companies are not out there to help you. They are in the business of making money, plain and simple. Therefore, when they can get away with it, they will deny payment of benefits under a policy.