[BykrBayb]

Why should they be allowed to decide not to fulfill the terms of the contract they wrote and entered into, resulting in the killing of the other party to the contract? What is it about the condition of the other party to the contract that you find makes the contract non-binding on the part of the insurance companies? What is the point in paying insurance premiums if the simple act of turning in a claim voids the contract?

[montanajoe]

Obviously you have been fortunate enough to have never had a major illness of accident. Insurance companies exist to benefit their shareholders not their policyholders. I had a major claim and I was laughed at by the claims representatives when I made your exact arguments..