Denied Life Insurance Claim Lawyer

When dealing with the death of a loved one, the last thing anyone wants to do is fight with the insurance company over a denied life insurance claim. Unfortunately, life insurance claims are routinely denied for a variety of reasons, leaving family members scrambling to pay for final expenses and funeral costs. If you are facing a life insurance claim denial after the death of your loved one, you can fight back. At Life Legal, our experienced life insurance attorneys understand how difficult a denial can be. Therefore, when you come to us for assistance, we will do everything in our power to obtain a successful result on your behalf. If you are ready to fight back and obtain what is rightfully yours, contact Life Legal today.

In many cases, beneficiaries have no problems when dealing with life insurance companies. When a policy has been in place for years with regularly paid premiums, most life insurance providers will pay the required benefits when the insured individual passes away. However, the life insurance business is just that—a business. In other words, these companies make money by collecting premium payments and not paying out significant claims. Therefore, it is in the best interests of life insurance companies to pay out as little as possible, and they will often use any excuse they can find to deny a claim. Common reasons life insurance companies deny claims include:

• Mistakes or misrepresentation. One reason that a life insurance company will deny a claim is a mistake or a misrepresentation on the application for insurance. The information provided must be accurate, especially information concerning the insured’s medical history or risk factors. When mistakes in these areas are discovered, insurance companies often assume that they are intentional lies, and this results in claim denials.
• Contesting or investigating a claim. All life insurance policies include periods of contestability in their terms and provisions. Typically, this period is two years from the date the policy begins, but it can vary depending on the policy. When an insured party dies during this early period, the insurance company is legally entitled to investigate to determine if any fraud or misrepresentation has occurred. Often, insurance providers take advantage of this to deny valid claims.
• Failure to pay a premium. If an insurance customer fails to pay policy premiums, this can result in a lapse in life insurance coverage. If this happens, the policy can be forfeited, prohibiting beneficiaries of the policy from collecting any benefits. Oftentimes, the insurance customer has no idea that their life insurance policy lapsed leaving a voided policy to his or her beneficiaries after their death.

If your life insurance claim has been denied, there are several steps you can take to obtain the benefits that are rightfully yours, including:

• Contact the insurer. When an insurer denies a claim, the denial letter typically includes the reasons that the claim was denied. However, these letters often lack clarity and supporting details, leaving beneficiaries in the dark regarding the true justification for the denial. Therefore, it is often necessary to contact the insurer to obtain these additional details. However, as discussed below, you should discuss your denial with an attorney and allow them to contact the insurer for additional information.
• Appeal the denial. If your life insurance claim has been denied, you can contest the rejection by presenting evidence via a process established by the insurer. If your appeal is successful, the insurer will pay your claim. However, this process is complicated. Therefore, you shouldn’t attempt to contest the denial alone. Rather, when contesting a denied life insurance claim, you should enlist the services of an experienced insurance denial attorney.

If your life insurance claim has been denied, you need an experienced life insurance denial attorney on your side. At Life Legal, we will fight hard to help you obtain the financial compensation that is rightfully yours. We are dedicated to helping people who need legal services related to life insurance, critical and chronic care benefits, accidental death and dismemberment insurance, and accelerated death benefits. When you come to Life Legal for assistance with your denied claim, we will help you navigate the claims process and fight back against the powerful interests that are attempting to take advantage of you. With Life Legal on your side, you can rest assured that you will always know the status of your case, be kept informed about any important developments, and have direct contact with the attorney handling your appeal. So, if you’re ready to obtain what is rightfully yours, please contact us today to schedule a free consultation with one of our talented attorneys.