Individuals who get the COVID-19 vaccine will not be denied the life insurance benefits. The claim circulating is baseless and false.
In January 2022, a website named "Patriot Rising" published an article that has been circulating on Facebook. The headline of the article reads, "Life insurance policies can refuse payouts for the jabbed because covid vaccines are medical experiments." However, this is entirely false. Being vaccinated from COVID-19 vaccines will not affect anybody to obtain life insurance benefits from the providers.
In March 2021, the American Council of Life Insurers (ACLI) released a statement clarifying the social media posts circulating on the COVID-19 vaccine and life insurance benefits. Senior Vice President, Policy Development at ACLI Paul Graham, said the "life insurers do not consider whether or not a policyholder has received a COVID vaccine when deciding whether to pay a claim."
Similarly, John Hancock released a statement on their website confirming that the COVID-19 vaccination status does not impact its policyholder's insurability.
Moreover, every insurance provider states certain conditions under when the claim can be rejected. Yet, COVID-19 vaccination doesn't come under those conditions. Some exclusions include suicide, drug overdose, death by accident under intoxication, and others. Death due to any of these reasons is bound to be dismissed as they do not come under a valid claim category, Economic Times reported. However, these conditions may vary from company to company.
COVID-19 vaccines are not experimental. According to WHO and CDC, COVID-19 vaccines have gone through various development and testing phases. Also, COVID-19 vaccines are safe and effective at preventing severe illness or death.
Other publications like Associated Press debunked the claim and has rated it as false.
The COVID-19 pandemic has given rise to a lot of potentially dangerous misinformation. For reliable advice on COVID-19, including symptoms, prevention, and available treatment, please refer to the World Health Organization or your national healthcare authority.