Life Insurance Claim Denied

You should immediately retain a life insurance lawyer when you have a denied life insurance claim. We serve all states. Free consultation. No fee unless settlement.

2025 Denied Life Insurance Claims

  • Unified life intoxication exclusion problem $33,000.00
  • American Chambers COVID 19 denial $65,000.00
  • NEA life self-inflicted injury or suicide denial $103,600.00
  • Woodmen material misrepresentation claim $50,000.00
  • Sec Mutual Life coronavirus death claim $101,000.00
  • PHP Life contestable period health issue $94,000.00
  • Accordia high blood pressure not disclosed $22,000.00
  • Kansas City Life sickness exclusion won $10,000.00
  • Mid Continental act of war exclusion resolved $53,000.00
  • Family First prescription drug mix issue $39,000.00
  • Union Fidelity accidental suicide exclusion $105,000.00
  • SB Mutual self asphyxiation contested policy $56,000.00
  • Crump beneficiary designation disputed by wife $25,000.00

What are a few common reasons for a life insurance claim being denied?

  • Insurance companies love to claim that there was some misrepresentation on the application. We have always recovered the full policy amount on every claim that we have handled.
  • Not having the proper documentation or records is a common reason for denial. The majority of the time, the insurance company already has this information, and they are just trying to get you to give up on your good claim.
  • A high blood alcohol content in the deceased's body. We have top experts that contest the collection and testing methods, and we have never lost this type of denial.
  • Suicide or self-inflicted injury is another reason for denial. Unless there was a suicide note, our firm always prevails on these denials.
  • A death that was accidental is often claimed not to be accidental. For instance, a medical examiner lists the cause of death on the death certificate as a heart attack or lung cancer. The insured could have been injured in a car accident, and dies a few days later from the injuries, but the medical examiner lists a disease as the cause of death, which is simply ridiculous. We almost always beat these denials as well.
  • Many carriers will try to say that the cause of death can't be determined, and they will deny the claim. This is another one of their games that you won't be able to resolve yourself.
  • Many claims are denied because the carrier said that there was some illegal activity the deceased individual was engaged in, known as a felony exclusion. For example, the person was killed while doing some illegal activity. We have a myriad of ways to get around these situations.
  • Insurance carriers may claim that the employee was not full time, and deny your claim, but nobody knows how to handle these work life insurance claims better than us.
  • Often, a life insurance company will change to another one, dropped the coverage of the insured in the process. Our attorneys can get you paid on these claims as well.