Which of the following would typically NOT be a reason for claim denial?

Accidental death would typically not be a reason for claim denial because most life insurance policies cover accidental death as a legitimate cause of death. Insurers generally recognize accidents as insurable events unless they fall into specific excluded categories outlined in the policy. In contrast, death during the contestability period, non-disclosure of material facts, and death due to natural causes after the grace period could lead to claim denials because they relate to the policy's terms and conditions regarding coverage during critical periods or the policyholder's duty to provide accurate information. Each of these scenarios can represent risks that insurers specifically account for when underwriting a policy, thereby justifying a denial of a claim if they occur.