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

Life insurance claims are denied for a variety of reasons, often leaving beneficiaries very upset. While insurance companies claim to follow standard procedures, the reality is that many denials are based on tactics designed to delay or outright refuse legitimate claims. Understanding these reasons is crucial for anyone dealing with a denied claim, as many denials can be challenged successfully with the right legal strategy.

One of the most common reasons for a life insurance claim being denied is the allegation of misrepresentation on the application. Companies like American General, AARP, Banner, MetLife, Lincoln Heritage, and Reliance Standard frequently scrutinize applications to find discrepancies. Even an innocent mistake, such as misstating one’s weight or forgetting to disclose a minor medical condition, can be used as a basis to deny a claim. Our firm has handled numerous cases where these so-called misrepresentations were either irrelevant to the cause of death or were exaggerated by the insurance company. We have always recovered the full policy amount on every claim we have taken on involving misrepresentation.

Another common tactic used by insurance companies, including Midland National, Hartford Life, Jackson Life, Foresters, and Lumico, is citing a lack of proper documentation or records. In many cases, the necessary information is already in the possession of the insurance company, but they use this excuse to create obstacles for the claimant. By requesting excessive documentation, they hope to frustrate beneficiaries into giving up on their rightful claims. We are well aware of this strategy and know exactly how to combat it, ensuring that our clients receive the benefits they are entitled to.

A high blood alcohol content in the deceased’s body is another frequent reason for claim denial, used by companies like USAA, Boston Mutual, Symetra, Transamerica, and VOYA. Insurance carriers may argue that the presence of alcohol contributed to the death, even if there is little evidence to support this claim. However, the accuracy of blood alcohol testing can often be challenged, as collection and testing methods are not always reliable. Our firm employs top experts who contest these findings, and we have never lost a case involving a denial based on blood alcohol content.

Suicide or self-inflicted injury is another reason insurance companies such as AAA, Ameritas, Globe, Horace Mann, and Columbian Mutual deny claims. Many policies contain a suicide exclusion clause, typically within the first two years of the policy’s inception. However, unless there is undeniable proof, such as a suicide note, our firm has consistently been able to challenge and overturn these denials. The burden of proof lies with the insurance company, and we have successfully demonstrated in numerous cases that deaths ruled as suicide were actually accidents or had insufficient evidence to justify the denial.

A death classified as non-accidental is another common way insurance companies try to deny claims. Companies like Integrity, Corebridge, Mass Mutual, Pekin, and Prosperity may argue that an insured individual who was in a serious car accident but did not die immediately succumbed to natural causes rather than accident-related injuries. This misclassification can result in a denial. We have successfully contested these denials by presenting medical evidence and expert testimony to establish the true cause of death, ensuring that our clients receive their rightful benefits.

Another frustrating reason for denial is when insurance carriers claim that the cause of death cannot be determined. Companies such as Trustmark, Wells Fargo, Anthem, CMFG, and Dearborn often use this vague reasoning as a stalling tactic. By working with forensic pathologists and medical experts, we can provide the necessary evidence to refute these claims and secure payouts for our clients.

Insurance companies also deny claims based on what is known as a felony exclusion. Companies like First Colony, Humana, Mutual Savings, State Life, and TIAA may refuse to pay out the policy if the deceased was allegedly engaged in illegal activity at the time of their death. However, we have numerous strategies to counter these claims, including challenging the classification of the alleged illegal activity and demonstrating that it was not a direct cause of death. Our track record in these cases speaks for itself.

Employment status disputes are another way life insurance claims are frequently denied. Many people have life insurance through their employer, and insurance companies such as Alfa, National Western, Assurant, Progressive, and Protective will often argue that the deceased was not a full-time employee at the time of death. We have handled numerous cases involving work-related life insurance claims and know precisely how to challenge these denials, often proving that the coverage was still in effect at the time of death.

Additionally, policy changes or transitions between insurance companies can create confusion that results in claim denials. Companies like Prudential, Sagicor, Securian, State Farm, and The Hartford may argue that there was no active coverage at the time of death due to administrative errors. We have successfully overturned these denials by proving that the insured was never properly notified of the change or that their coverage should have remained in effect.

Beyond these common reasons, insurance companies such as Unum, CUNA Mutual, Physicians Mutual, New Era, American Memorial, Equitrust, and American Equity have a myriad of tactics to deny or delay claims. They may argue that the policy lapsed due to non-payment, even when the deceased had automatic payments set up or had made timely payments. They may claim that the insured had a pre-existing condition that was not disclosed, even when it was unrelated to the cause of death. They may also delay investigations indefinitely, hoping that beneficiaries will give up. Our firm has seen it all, and we know exactly how to fight back.

If you or a loved one is facing a denied life insurance claim from companies like Delaware Life, Philadelphia American, Reliastar, Western & Southern, Federated, EMC National, American National, Shelter Life, Ohio National, Aetna, AIG, Allianz, Allstate, American Family, American Fidelity, American Income Life, Americo, Ameriprise, Amica, AXA, Bankers Life, Brighthouse Financial, Colonial Penn, Erie, Farmers, Geico, Genworth, Gerber, Phoenix, Provident, Woodmen, Kansas City, Navy Federal, Forethought, Lincoln Benefit, Fidelity & Guarantee, Knights of Columbus, Guardian, Illinois Mutual, Legal & General, Liberty Mutual, Liberty National, Lincoln Financial, Mutual of Omaha, Nassau RE, Nationwide, New York Life, North American, Primerica, Principal, Liberty Bankers, Haven, Bestow, Trustage, AFLAC, Ladder, Ethos, One America, CNO Financial, Great-West, RiverSource, Kemper, Baltimore Life, Wilton RE, Athene, Chubb, William Penn, and Investors Heritage, it is important to seek professional legal assistance. These companies rely on beneficiaries being overwhelmed and uninformed about their rights. However, with the right legal team, you can challenge these denials and recover the benefits that were promised. Our track record of success speaks for itself—we have never lost a case involving a denied life insurance claim. No matter the reason for the denial, we are prepared to take on the insurance companies and secure the compensation you deserve.