Has Your Life Insurance Claim Been Denied?

Our lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

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Life Insurance Denial Lawyer

Life Insurance Denial Attorney

If you are dealing with a denied life insurance claim, securing the assistance of a specialized law firm like DiGeorge Life Insurance Law Firm is necessary. At DiGeorge, we bring a focused expertise to each denied claim, backed by a deep understanding of the complexities involved in life insurance disputes. Our firm is led by Chris DiGeorge, who is recognized for his dedication and aggressive approach in advocating for clients’ rights against insurance companies.

The path to resolving a denied life insurance claim can be intricate and demanding. Without professional legal help, navigating this path can be overwhelming due to the legal complexities and the tactics often employed by insurance companies to withhold rightful payouts. At DiGeorge Law Firm, we commit to providing you with the robust legal support necessary to challenge denied claims effectively. Our goal is to ensure that you receive the benefits you are entitled to, reflecting both the policy’s intent and the insurer’s obligations.

Dealing With a Denied Life Insurance Claim

When a life insurance claim is denied, policyholders face significant challenges. These include the immediate financial impact, the complexity of understanding policy clauses, and the burden of proof required to dispute the insurer’s decision. Denials can arise from various issues, such as discrepancies in the application details or misunderstandings of policy terms.

The benefits of engaging a legal expert to handle your denied claim are substantial. A seasoned life insurance lawyer from DiGeorge Law Firm can provide clarity, navigate the legal terrain, and leverage extensive experience to contest the denial. Our approach involves a thorough review of your case, crafting a compelling argument for appeal, and managing all communications with the insurance company on your behalf. With legal representation, the likelihood of overturning a denial increases, ensuring that your rights are protected and you receive the compensation you deserve.

Why Would a Life Insurance Claim be Denied?

Life insurance claims are often denied due to a range of specific and identifiable reasons. Common grounds for denial include discrepancies in the application details, investigations into the cause of death, and policy terms and exclusions that may not be met. Insurers might deny claims if there are missed or late premium payments, lapses in policy coverage, or if the information provided on the application is inaccurate or incomplete.

Each scenario that leads to a denial requires a precise and informed legal strategy to contest effectively. DiGeorge Law Firm specializes in dissecting these complex situations and provides expert legal representation to challenge denials and recover the benefits rightfully owed to policyholders. Our extensive experience in managing life insurance disputes equips us to handle even the most challenging cases, ensuring that our clients receive competent and reliable support throughout the claims process.

  • Missed or Late Payments: Missed or late payments are often interpreted as breaches of policy terms, leading insurers to deny claims if regular payments are not maintained.
  • Policy Lapse: Policy lapses occur when payments are missed, automatically ending coverage and resulting in claim denials due to inactive policies.
  • Missing or Inaccurate Information: on Application Claim denials often stem from providing inaccurate or incomplete information during the application process, as insurers may view these discrepancies as fraudulent.
  • Policy Exclusion: Claims may be denied due to policy exclusions, which typically cover deaths from high-risk activities or undisclosed pre-existing conditions.
  • Failing to Reinstate: Failing to reinstate a lapsed policy within the grace period can lead to claim denials, especially if back premiums are not paid and health assessments are not completed.
  • Failing to Disclose Medical Visit: Claims can be denied if policyholders fail to disclose recent medical visits or significant health information, which insurers may see as an attempt to secure lower premiums through misrepresentation.
  • Failing to Convert to Individual Policy: Not converting group insurance to individual coverage upon eligibility can lead to denied claims due to the lack of protection under the original group policy.
  • Wrong Age on Application: Incorrect age listings on insurance applications can significantly affect claim processing and lead to denials due to fraudulent risk assessment discrepancies.
  • Inaccurate Income: Listed Inaccurate income reporting on applications can lead to claim issues and denials, as insurers might believe the misreported income was intended to manipulate policy terms.
  • Inaccurate Weight Listed: Claim denials can occur when the weight listed on insurance applications is inaccurate, particularly if it affects health risk assessments crucial to determining policy terms.
  • Competing Beneficiaries Disputes: between beneficiaries can complicate and delay the claims process, potentially leading to denials as insurers work to determine the valid recipient.
  • Criminal History Discovered: The discovery of undisclosed criminal history can significantly impact insurance claims, potentially leading to denials due to breaches in required honesty.
  • Change in Person’s Job: Changes in employment status, particularly to more hazardous occupations, can affect life insurance coverage and impact claim validity due to policy risk clauses.
  • Fired from Person’s Job: Job termination can influence life insurance claims if the policy includes employment-related conditions or was provided through an employer, leading to potential loss of coverage or term changes.
  • Employer Didn’t Forward Records: Failures by employers to forward essential records or notify insurers of employment changes can disrupt coverage continuity and lead to claim denials.
  • Suicide Exclusion: Suicide exclusions in policies deny payouts if the insured commits suicide within a specified period, usually the first two years, to prevent financial incentives for suicide.
  • Self-inflicted Injury Exclusion: Life insurance policies generally exclude payouts for self-inflicted injuries to mitigate the risk of fraudulent claims from intentional harm.
  • Illegal Drug Exclusion: Illegal drug use leading to the insured’s death can result in denied claims under many policies due to the high-risk nature of such activities.
  • Prescription Drug Exclusion: Non-compliant prescription drug use can invalidate claims, as insurers exclude cases to avoid liabilities from medication misuse or abuse.
  • Use of Alcohol Exclusion: Alcohol use contributing to the insured’s death can lead insurers to deny claims, especially if alcohol significantly contributed to the death risk.
  • Sickness Exclusion: Exclusions for specific diseases or known pre-existing conditions at the time of application help insurers manage risks and may lead to claim denials.
  • Felony Exclusion: Claims as such exclusions discourage risky behaviors.
  • Medical Treatment Undisclosed: or unapproved medical treatments involving high risks or experimental procedures can lead insurers to deny claims to prevent fraud and manage risks.

DiGeorge Law Firm Competitive Advantage and Why to Choose Us

DiGeorge Law Firm stands out as a leader in resolving denied life insurance claims, offering unmatched expertise and a commitment to securing justice for our clients. Our firm specializes in navigating the complexities of life insurance disputes, utilizing a thorough understanding of insurance laws and extensive experience in handling a wide range of claim denial cases.

Clients choose DiGeorge Law Firm for our aggressive approach in challenging denials and our proven track record of recovering rightful benefits for our clients. We pride ourselves on our transparent communication, offering free initial evaluations and working on a contingency fee basis—ensuring that we only succeed when you do.

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Find Answers to Frequently Asked Questions

How Much Does it Cost to Hire a Life Insurance Lawyer

At DiGeorge Life Insurance Law Firm, we understand the financial and emotional strain of a denied life insurance claim. That’s why we offer our legal services on a contingency fee basis, meaning you won’t pay any legal fees unless we successfully recover a settlement for you.

There are no upfront costs to start your case, and you will never receive a bill from us. If we don’t win your case, you don’t owe us anything.

To get started, simply fill out our secure online form for a complimentary case review with a life insurance lawyer, or call our office at (800) 391-9692 to schedule your free consultation.

Why Do Life Insurance Claims Get Rejected?

Life insurance claims can be rejected for several reasons:

  1. Material misrepresentation or fraud in the application, such as failing to disclose pre-existing health conditions or providing false information, which would have affected the insurer’s decision to offer coverage or the premium amount.
  2. The insured’s death occurred during the contestability period (usually the first two years of the policy), and the insurer’s investigation revealed material misrepresentation or fraud.
  3. The cause of death is not covered under the policy, such as death due to a specific exclusion like suicide within a certain period after policy inception or death resulting from criminal activity.

 

Why Do Insurance Companies Delay Settlements?

Insurance companies may delay settlements for various reasons, such as to thoroughly investigate the claim, gather additional information, or negotiate a lower settlement amount. They might also delay if they suspect fraud or if there are concerns about the validity of the claim. Ultimately, insurers aim to minimize their financial losses, and delaying settlements can be a tactic to achieve that goal.

In addition to the reasons mentioned above, insurance companies can benefit financially from delaying settlements. The premiums paid by policyholders are invested by the insurer to generate additional income. Consequently, each month that a claim payment is postponed gives the insurance company extra time to earn interest on those invested premiums, thus increasing their overall profits and improving their financial performance.

What Happens if a Claim Is Taking Too Long?

If a life insurance claim is taking an unreasonable amount of time to process, the policyholder or beneficiary may have legal recourse. Insurers are legally obligated to acknowledge the receipt of a claim within 15 days of submission and must inform the claimant of their decision within 15 business days after obtaining all the required information. Failure to adhere to these timelines grants the policyholder the right to take legal action against the insurer for the delay.

The DiGeorge Life Insurance Law Firm Advantage

DiGeorge Life Insurance Law Firm excels in representing clients whose life insurance claims have been denied due to policy lapses. Our attorneys possess a deep understanding of the complexities involved in these cases and are committed to conducting thorough investigations and advocating fiercely on behalf of our clients.

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No Recovery, No Fee

Our contingent fee structure means we are as invested in your success as you are; we only succeed when you do.

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National Recognition

Known across the country for our success in life insurance recovery, our reputation speaks for itself.

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Millions Recovered

Our team has recovered millions of dollars for our clients after receiving life insurance benefits denied or delayed.

Has Your Life Insurance Claim Been Denied?

Our life insurance lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

There is never any risk or out-of-pocket cost to you.