Life insurance claims should provide support during difficult times, but sometimes, insurance companies wrongfully deny claims, causing additional stress for grieving families. One such case involved Jerry, whose family was shocked by the denial of his $300,000 accidental death insurance policy (AD&D) after he tragically fell down the stairs at home.
Jerry’s Case: A Denial Based on Alcohol Consumption
Jerry’s wife filed a life insurance claim with Prudential after his accidental death, but the insurance company refused to pay the claim. Prudential argued that Jerry’s death was not covered because he had been drinking and was allegedly under the state’s legal limit for driving under the influence (DUI) at the time of the fall. Despite the circumstances surrounding Jerry’s death being a tragic accident, the insurer used alcohol consumption as the basis for denying the claim.
The family found it incredibly disturbing that their insurance company, which they trusted to provide support, instead used a technicality to avoid paying the benefits they were owed. This situation highlights a growing issue where life insurance companies refuse to honor policies, even when there is a valid claim, citing flimsy or unsubstantiated reasons.
The Importance of a Thorough Investigation
The most frustrating part of this case for Jerry’s family was the belief that their insurance company was supposed to protect them, especially in their time of need. Unfortunately, insurance companies often deny claims based on insufficient evidence or technicalities that can only be fully exposed if the case goes to court. This is where the expertise of an experienced life insurance attorney becomes critical.
In many instances, a thorough investigation by a lawyer can uncover evidence that challenges the insurer’s denial, leading to a successful resolution. Our life insurance lawyers have won 100% of cases involving claims that were initially denied by insurance companies, including those based on alcohol-related exclusions.
Fighting Back Against Denied Claims
If your life insurance claim has been denied, you should not accept the insurance company’s decision without question. Insurance companies, especially large ones like Prudential, often make decisions based on profit motives, not fairness. They may deny claims, even when they know they are unjustified, in hopes that beneficiaries will give up on their claim.
The good news is that you do not have to fight these battles alone. Our team of tenacious life insurance lawyers specializes in representing beneficiaries whose claims have been denied. We are dedicated to helping families recover the death benefits they are entitled to under the law.
Get the Support You Deserve
If you’re facing a life insurance claim denial, especially in the case of an accidental death, it’s essential to have legal representation. Our life insurance lawyers are passionate about ensuring that families get the compensation they deserve. We work tirelessly to challenge unjust denials and help beneficiaries recover the full amount of their policy.
Call us now for a free consultation. We will review your case, advise you on your options, and fight for the benefits that rightfully belong to you and your family.
Sources:
"The NAIC notes that insurers must provide clear written explanations for denials, and beneficiaries have the right to appeal." - NAIC
"Insurance companies are often criticized for using unfair practices in denying life insurance claims, including focusing on technicalities like alcohol consumption." - Insurance Information Institute