Personal examining an insurance policy. A renewal policy in the name of a deceased named insured is void in its inception, even where an agent advises that coverage would continue to the benefit of the additional insureds. (Photo: Dragonstock/Adobe Stock)

Is an additional insured under a policy entitled to coverage following the death of the named insured? What if the additional insured continues to pay the policy's premiums and the policy undergoes an automatic renewal following the death of the named insured? Further, what if a liability claim is made against an additional insured after the death of a named insured in a state that restricts the insurer's ability to retroactively rescind liability coverage? Under the terms of most policies, an insurer is under no obligation to provide coverage or defense under any of these circumstances except to the extent provided by the policy.

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