Sometimes the way a loved one dies exacerbates the grief of friends and family members. Autoerotic asphyxiation can be one of those causes of death, but life insurance beneficiaries often have more problems to deal with than their embarrassment or shame when an insured dies that way.
Was your life insurance claim denied when the insured died of autoerotic asphyxiation? Our life insurance attorneys can help. We’ve investigated these types of life insurance claims and helped beneficiaries in your circumstances appeal life insurance claim denial and get their life insurance payout. Let us help you during this difficult time.
Death by Autoerotic Asphyxiation Can Look Like Suicide
Because autoerotic asphyxiation involves strangling oneself, the circumstances of the death give the life insurance company the opportunity to deny a life insurance claim due to suicide.
A life insurance company can deny a claim for death benefits due to suicide if the insured allegedly committed suicide during the contestability period or if suicide is expressly excluded from coverage in the life insurance policy.
Case study: we got our client beneficiary paid when the insured died of autoerotic asphyxiation. The insured was found in his hotel room, and the life insurance company denied the claim for death benefits, alleging the insured committed suicide. We investigated and were able to show that the insured intended to survive, as he had laid out his clothing for the next day.
Death by Autoerotic Asphyxiation During the Contestability Period
The life insurance contestability period is the two years following the purchase of a life insurance policy. During that period, the life insurance company has heightened power to deny claims for death benefits due to any errors or misrepresentation on the life insurance application, or if the insured allegedly committed suicide, even if the policy does not contain a suicide exclusion.
We have gotten beneficiaries paid when their claim was denied due to death during the contestability period, especially when the alleged misrepresentation had nothing to do with the cause of death. Call us for your free case evaluation.
Death by Autoerotic Asphyxiation When Suicide is an Exclusion
Every life insurance policy has “exclusions” that provide which causes of death are not covered by the policy. Typical exclusions are death by Act of War or Terrorism, suicide, and death while engaging in sports or activities that the life insurance company considers dangerous.
Death by autoerotic asphyxiation is usually an accident. We will thoroughly investigate the circumstances of the death of the insured and if we can show the death was accidental and not suicide, you will get your payout.
What is Autoerotic Asphyxiation?
Autoerotic asphyxiation is achieved when someone masturbates while cutting off oxygen to their brain, commonly using a noose around their neck, to enhance an orgasm. When the person passes out from lack of oxygen, they release their grip on the noose and it loosens, allowing them to breathe normally. Sometimes the noose fails to loosen and the person dies accidentally.
What is Erotic Asphyxiation?
Erotic asphyxiation is the same practice as autoerotic asphyxiation but the choking is done by someone to their partner. That other person can be choking their partner manually or employing a noose. One would think that this would be a safer practice than autoerotic asphyxiation because one partner remains conscious and can ensure that the choked partner regains consciousness. Sometimes, however, things go wrong and people die.
In these cases, if the insured dies of erotic asphyxiation, the life insurance company will likely delay paying the life insurance claim to investigate for homicide, especially if the insured’s partner was the beneficiary of the life insurance policy. This is especially the case if the insured’s partner is suspected of murder, accused of murder, or indicted for murder.
Was your life insurance claim denied due to death by erotic asphyxiation? Call us for your free, no-obligation consultation. We help beneficiaries get paid.
Lawyer to Help with Life Insurance Claim Denied Autoerotic Asphyxiation
Most death by autoerotic asphyxiation is accidental, but life insurance companies will invariably take advantage of the opportunity to deny or delay your claim for death benefits, hoping you will be too embarrassed to fight back.
Don’t take no for an answer! Call us for your case evaluation and find out whether you can get your life insurance payout.