You feel cheated by the insurance company because of your claim is denied?
There are several reasons why insurance companies reject claims of customers:

1. Dishonesty  customer.

Many people realize the importance of insurance when it was attacked by serious diseases like cancer, heart disease, etc. When customers fill up with honest (Application for Life Insurance), a disease that is in misery, is certain to be rejected because the insurance company is not a charity.

If the customer claims due to accidents or other issues outside of his illness is, of course, a lie will not be revealed, but when there is a claim (illness / death) because the disease is, of course lie will be uncovered, and the insurance company may refuse payment of claims.

2. Dishonesty agent.

Many agents simply chasing sales targets and commissions, so they are reluctant to describe at length about the products on offer, apart from being able to make the sales cycle become longer, too risky to buy off potential customers.

Even in some cases, agents who encourage clients to be dishonest.

Dishonesty agent can also be in the form of promising something that is not listed in the policy. That’s why customers should take the time to read policies and match them with the words of the seller agent. If there is not in the know, try to ask the seller agent.

3. Because the exclusion in the policy

Many agents (which honestly though) negligent in explaining the existing exceptions in the policy. It described or not by the agent, read or not by customers, the exception remains valid, meaning that if your claim included in the exceptions, then do not be angry if your claim is denied. For those of you who already have an insurance policy, read and understand now that there are exceptions, so you are not disappointed later.

4. Because insurance companies are not good.

Life insurance is a long-term contract, in many casesnew claims came after many years as a customer.  Therefore, choose a company that is trusted, and to facilitate you, every year as investors and InfoBank magazine published the rating of the insurer. Although the rating is not a guarantee, but at least help you to take decisions.