There are many different forms of insurance that you can buy as an individual, and within these different types are myriad options for the policies themselves. Life insurance is one type of insurance, and it also has myriad options -- such as term life insurance, universal life insurance and variable life insurance.
Life insurance is a major investment for any individual or family. It takes a lot of thought and organization to even acquire life insurance, let alone the personal organization you will need to maintain your policy and ensure that it is covering you and your loved ones in the way you want it to.
What we are getting at here is that life insurance is an involved and important process, one that people and families end up counting on later in life, or even in an emergency scenario. These are not situations where people want their insurance company to turn around and mitigate their side of the policy. Insurers are supposed to support their clients, not embrace the worst aspects of bad faith insurance.
However, the unfortunate fact is that many insurance companies only look out for themselves. They will look for problems in the policy, or your information, or even the circumstances of the death in question that triggered the life insurance policy. Mitigating liability is what insurance companies do. Sometimes, they cross the line and behave in a manner that qualifies as bad faith. When this happens, the victims need to consult with an attorney to ensure their side of the case is heard.