What will an insurer most likely do if an insured becomes disabled from a pre-existing condition not excluded in their policy?

When an insured becomes disabled due to a pre-existing condition that is not specifically excluded in their insurance policy, the insurer is most likely to pay the full claim. Insurance policies typically outline the conditions under which the insurer is obligated to provide coverage, and if a pre-existing condition is covered, the insurer has a contractual obligation to fulfill the terms of the policy. This means they would provide benefits to the insured, as long as the claim falls within the scope of coverage indicated in the policy and the condition has not been explicitly excluded.

This contractual obligation is key in the insurance industry, as it ensures that policyholders can rely on the coverage they have purchased. When it comes to disability claims, the insurer's assessment of whether the claim relates to a pre-existing condition that is covered, therefore, directly leads to a full payout when the conditions are met appropriately.