Just this week our top life insurance lawyers resolved a denied $50,000 life insurance claim.
Here are some examples of unfair eligibility requirements that could lead to a life insurance claim denial:
Retroactively changing underwriting standards: If the insurance company retroactively changes its underwriting standards without notifying the policyholder, it could lead to a claim denial.
Failing to disclose underwriting guidelines: If the insurance company fails to disclose its underwriting guidelines, the policyholder may not know what is expected of them and could unintentionally violate the guidelines.
Requiring a medical exam without prior notification: If the insurance company requires a medical exam without prior notification, the policyholder may not have had the opportunity to prepare for the exam or to address any health concerns.
Applying exclusions not disclosed in the policy: If the insurance company applies exclusions that were not disclosed in the policy, the policyholder may not have had the opportunity to evaluate the policy based on those exclusions.
Changing policy conditions without notice: If the insurance company changes the policy conditions without notice, the policyholder may not have had the opportunity to adjust their coverage or to cancel the policy if necessary.
Requiring excessive documentation: If the insurance company requires excessive documentation beyond what is stated in the policy, it could be seen as an unfair requirement that could lead to a claim denial.
Requiring an unreasonable waiting period: If the insurance company requires an unreasonable waiting period before a claim can be filed, it could be seen as an unfair requirement that could delay or deny a claim.