An insurer cannot deny a claim unless:

The correct response is that an insurer cannot deny a claim unless there is a reasonable explanation of the claim. This aligns with the legal requirements for claims processing, which mandate that insurers must provide justifiable reasons for denying any claims made by policyholders.

Insurers are obligated to thoroughly review and assess the claims in light of policy provisions and underlying circumstances. If a claim is denied without a reasonable explanation, it may be viewed as arbitrary or unjust, which could result in regulatory scrutiny or legal consequences for the insurer. Therefore, having a reasonable explanation is crucial for the insurer to justify its decision and maintain compliance with relevant regulations.

While other options might seem relevant in certain contexts, they do not encapsulate the fundamental principle that insurers must provide reasonable explanations when denying claims. For example, the contestable period does pertain to a time frame when an insurer can challenge information related to the insured's health or lifestyle, but it doesn't broadly define the conditions under which all claims can be denied. Likewise, a specific dollar amount for claims or requiring the Commissioner's written approval may not universally apply to all claims situations. Thus, a reasonable explanation remains the cornerstone for claim denials.