If your life insurance claim was denied, you may be entitled to fight back—and win. Denials happen for many reasons, but not all of them are justified. Working with a life insurance attorney who specializes in claim denials can significantly improve your chances of recovering the full policy benefit your loved one intended for you.
You’re Already Grieving—Now You Have to Fight for What You’re Owed
When someone you love names you as the beneficiary of their life insurance policy, it’s a powerful act of care. It’s meant to protect your future. So when that claim is denied, it doesn’t just bring financial stress—it adds another layer of pain to an already heartbreaking time. Life insurance companies know this. In fact, they count on it. They know you’re vulnerable and often overwhelmed—and that’s when they make their move.
But here’s what they don’t want you to know: you don’t have to accept their decision. There are attorneys—like us—who work exclusively in the area of life insurance claim denials. We review claims at no charge, and if we believe you were wrongfully denied, we’ll take your case on contingency. That means you don’t pay us unless we recover money on your behalf.
Why a Specialist Matters—Especially in Complex or Sensitive Claims
You wouldn’t ask a general doctor to treat a serious heart condition. The same logic applies to legal representation. Life insurance denial cases—particularly those involving sensitive issues like suicide or autoerotic asphyxiation—require deep familiarity with insurance law, policy exclusions, and claims practices.
We’ve handled countless cases where insurers deny claims citing the suicide clause, which typically bars payment if the insured dies by suicide within the first two years of the policy. But not every suicide determination is accurate—or legally justified. We’ve fought and won in cases where the death was wrongly classified, or where the clause didn’t apply due to policy duration or ambiguous language.
We also have experience handling denials related to autoerotic asphyxiation (AEA)—a cause of death that insurers almost always try to categorize as self-inflicted or intentional harm. In reality, AEA deaths are accidental, and denying claims on this basis is both harmful and unjust. We work with forensic experts to show that these deaths were unintentional and qualify for accidental death benefits.
We Know How to Navigate the Insurers’ Playbook
Insurers rely on complex denial letters, vague language, and narrow policy interpretations. That’s where we come in. Our team knows how to break down these letters, identify the real reason for the denial, and develop a strategy to challenge it effectively. We’ve overturned denials for everything from material misrepresentation to non-payment disputes, and we’re not afraid to take on the most challenging claims.
We’ve also been in front of the internal appeals panels that some insurers require before a lawsuit can be filed. We know the process, the players, and the arguments that work. And when it comes to court, we’re prepared. We’ve gone head-to-head with the largest insurance defense firms in the country—and won.
Our Experience Saves You Time, Money, and Stress
Because we practice in this area exclusively, we’re already familiar with the relevant laws, recent cases, and expert resources needed to build your case quickly. A general attorney might spend hours just learning the basics—time you can’t afford to waste. We come in prepared to act.
We subscribe to specialized insurance law publications, stay current on evolving legal trends, and maintain a vetted network of expert witnesses who understand the nuances of life insurance claims, suicide rulings, and complex causes of death like AEA. This knowledge often makes the difference between a denied claim and a successful recovery.
We Understand the Human Side of Denied Claims
We know many families are hesitant to pursue claims involving causes of death that may carry stigma or misunderstanding. Suicide, drug overdose, or autoerotic asphyxiation are emotionally and socially complex. These cases require more than legal skill—they require compassion, discretion, and respect.
We’ve represented grieving spouses, children, and parents in some of the most delicate cases imaginable. We never let insurance companies use shame or discomfort as a weapon. We protect your loved one’s legacy and ensure the focus stays on the facts—not assumptions or stereotypes.
You Only Get One Chance to Fight a Denial—Make It Count
Life insurance companies count on silence. They hope you’ll give up when you see that denial letter. But you don’t have to. We offer a free, confidential consultation and only take your case if we believe we can win. If we do move forward, you’ll pay nothing unless we recover the benefits you’re owed.
Call Us—Because Your Loved One Meant for You to Be Protected
Don’t let a technicality—or an insurer’s biased interpretation—erase your loved one’s final act of care. Whether the denial is based on suicide, autoerotic asphyxiation, policy exclusions, or misrepresentation allegations, we have the experience, tools, and legal strategy to help.
You deserve to be heard. You deserve to be paid. And we’re here to make sure that happens.