Lincoln National Life Insurance Co. issues accidental death benefit policies with intoxication exclusions that don’t comply with California insurance law and result in claims being improperly denied, according to a proposed class action filed Tuesday in Illinois federal court.

The lawsuit, filed by the father of a woman who died at age 29 after falling from a fourth-story window, accuses Lincoln of “willfully ignoring” California law in order to illegally exclude qualified claims under its group accidental death policies. Lincoln’s policies include broader coverage exclusions for alcohol-related deaths and injuries than what’s allowed under California insurance law, plaintiff John Bunce ...

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