Our life insurance attorneys recently recovered a $300,000 denied life insurance claim for our client.
If the language of the policy is ambiguous, it may be possible to argue that the policy should be interpreted in favor of the policyholder or beneficiary. However, it's important to note that whether or not language is ambiguous is often a matter of interpretation and can be difficult to prove.
If you believe that the language in the policy is ambiguous and that it led to the denial of your claim, you should consult with an attorney who specializes in insurance law. They can help you review the policy language, understand your legal options, and determine if contesting the denial is possible.
In any case, it's important to carefully review the policy language and any correspondence from the insurance company to understand the reason for the denial and to determine whether or not you have grounds to appeal.
If the omission was unintentional or the result of a mistake, it may be possible to contest the denial. In some cases, insurance companies may offer a "grace period" after the policy is issued during which the policyholder can update or correct information on the application without penalty. If the policyholder missed the grace period or was not aware of the omission until after the policy was issued, they may still have options for contesting the denial.
However, if the omission was intentional or the result of fraud, it is unlikely that the denial can be successfully contested. Intentionally withholding or misrepresenting information on a life insurance application is considered fraud and can void the policy altogether.
If you believe that your life insurance claim was denied due to an omission and you want to contest the denial, it's important to consult with one of our top life insurance lawyers.