To safeguard the interests of the policyholders, Section 45 of the Insurance Act governs that it is illegal for a life insurance provider to reject or deny a claim 3 years after the issue of the policy. However, to ensure that your loved ones do not face any grief from the hands of the insurer, it is important for them to be generally aware of the claim process. It is also important for you, as the policyholder and insured, to take care while filling up the policy proposal form and provide only correct information. Also, if your insurer requires you to undergo a medical exam, it will help lower the chances of rejection as your health status will be known to the insurer at the time of offering coverage. When appointing a beneficiary/nominee for your insurance policy, make sure that the appointed person has full knowledge about it.