<h1>Multiple term life policies allowed but non-disclosure or documentary gaps can let insurers investigate or contest claims</h1> Multiple term life policies are legally permissible and insurers settle claims independently, but the primary legal risks arise from non-disclosure and documentary gaps. Failure to disclose existing coverage at proposal can be treated as misrepresentation, giving insurers grounds to investigate or contest a claim; nominees must file separate claims and produce required documents to each insurer. Regulatory data-sharing systems enable verification of disclosed policies, increasing insurer scrutiny. To reduce dispute risk, ensure full disclosure, consistent nominee designations, timely premium payment, centralized record-keeping, and periodic policy reviews to align coverage with liabilities.