Which of the following can be a reason for a claim being denied by an insurer?

A claim can be denied by an insurer for several reasons, one of the most common being the failure of the policyholder to pay premiums. Life insurance policies require regular premium payments to remain active and provide coverage. If a policyholder fails to make these payments, the policy can lapse, meaning that the insurer is no longer obligated to pay out claims under that policy. Therefore, if a claim is made after the policy has lapsed due to unpaid premiums, the insurer is justified in denying the claim because the coverage is no longer in effect.

In contrast, changing beneficiaries does not typically affect the validity of a claim as long as the policy remains in force. Exceeding an age limit is relevant only if the policy contains such specific age constraints and is not a common basis for claim denial without prior conditions being met. Lastly, requesting too large of a benefit could theoretically raise concerns for the insurer, but it would not directly lead to a blanket claim denial unless it breached terms of the policy or was linked to fraudulent intent. In this context, the most definitive reason for a claim denial relates to unpaid premiums.