Life Insurance

Life insurance claim denials

Generally speaking, a life insurance claim is based on a person passing away while covered by the life insurance policy. Life insurance coverage is supposed to provide peace of mind knowing that your loved ones will have adequate financial protection and coverage in the event of a tragedy. After paying insurance premiums for many years, your family would be devastated to learn that the insurance company is denying access to the benefits you earned. These situations happen more frequently than most people realize.

Once you submit your life insurance claim, the life insurance company will subject it to a critical review, many times looking for any reason it can hang its hat on to deny life insurance benefits. For example:

• The death occurred during the life insurance policy’s contestability period, and the life insurance company says the application contained misstatements.
• The life insurance company says the manner of death isn’t covered under the life insurance policy.
• The life insurance company says premium payments were allowed to lapse.
• The life insurance company says there isn’t enough paperwork to document the facts and circumstances surrounding the death.

These are just some of the reasons life insurance companies come up with to deny or terminate your life insurance claim. At Johnston Law Office we know how to address insurance companies’ bases for denying your life insurance claim, and make sure your rights are respected throughout the process of trying to reverse a denial of life insurance benefits. We are equipped to take on the biggest life insurance companies, including:

• MetLife
• Prudential
• New York Life
• Transamerica
• Manulife
• Lincoln National
• State Farm
• Northwestern Mutual
• Massachusetts Mutual