Accidental Death Life Insurance Policy

Attention life insurance lawyers.  Here is one for you.  Is dying from a mosquito bite grounds for recovering under an accidental death life insurance policy? That was the issue in the March 2018, opinion from the United States Court of Appeals for the Fifth Circuit.  The case is styled, Gloria Wells v. Minnesota Life Insurance Company. Melton Wells died fro complications arising from being bitten by a mosquito carrying West Nile Virus.  Melton’s wife, Gloria claimed accidental death benefits under the Minnesota Life policy and the claim was denied.  The dispute is whether or not Melton’s death was accidental and an exclusion under the policy.  The lower court dismissed the case by summary judgment.  This court reversed the lower court dismissal and remanded the case for trial. Continue reading

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