Not in all cases. But, most of the claims in first three years in such life insurance claims are that knowing the disease they take such insurance policies and pay one or to Annual premiums suppressing such deadly diseases. The insurance company can not settle the claim as there may be evidence that the insurance policy was taken after suppressing earlier medical conditions. The insurance company entrusts the investigation work to private detectives and only on the basis of valid document proof they can reject such claims. There are several such false claims even in the case of Great Bollywood Actor or businessman. Last week a businessman offered supari for killing him and during police investigation, this was brought to notice of the public that for claiming insurance, as he was in business problems, h wanted to protect his family and obtained a high cover disproportionate to earnings. In case of valid claims, there are several forums that can support the genuine cause of policyholders.