Our life insurance law firm would like to share some cases in court regarding life insurance disputes.
Lincoln National Life Insurance Dispute - In October 2022, a beneficiary initiated a class action lawsuit in Illinois federal court, accusing Lincoln National Life Insurance Company of unlawfully rejecting accidental death and dismemberment (AD&D) insurance claims based on an intoxication exclusion that does not conform with California insurance law. The plaintiff’s daughter died after falling out of a window, and the insurer denied the claim because it determined that intoxication contributed to the cause of death.
Metropolitan Life Insurance Dispute - A beneficiary brought a lawsuit against Metropolitan Life Insurance Company in California federal court in June 2021, alleging that the insurer wrongfully refused a life insurance claim based on a pre-existing condition exclusion. The plaintiff’s husband died of colon cancer, and the insurer denied the claim because it claimed that the husband had received treatment for cancer within two years prior to applying for the policy.
Prudential Life Insurance Dispute - In March 2021, a beneficiary sued Prudential Insurance Company of America in New Jersey federal court, alleging that the insurer breached its fiduciary duty and violated ERISA by denying a life insurance claim based on a misrepresentation exclusion. The plaintiff’s wife died of breast cancer, and the insurer denied the claim because it claimed that the wife had failed to disclose her cancer diagnosis on her application.
American General Life Insurance Dispute - The estate of the insured filed a lawsuit against American General Life Insurance Company in Texas state court in February 2021, alleging that the insurer acted in bad faith and violated the Texas Insurance Code by denying a life insurance claim based on a contestability clause. The insured died of lung cancer, and the insurer denied the claim because it claimed that the insured had misrepresented his smoking history on his application.
Transamerica Life Insurance Dispute - A beneficiary challenged Transamerica Life Insurance Company in Georgia federal court in January 2021, alleging that the insurer breached its contract and violated Georgia law by denying a life insurance claim based on an exclusion for death resulting from sickness or disease. The plaintiff’s father died of pancreatic cancer, and the insurer denied the claim because it claimed that the policy only covered accidental death.
United of Omaha Life Insurance Dispute - In December 2020, a beneficiary lodged a lawsuit against United of Omaha Life Insurance Company in Florida federal court, alleging that the insurer breached its contract and violated Florida law by denying a life insurance claim based on an exclusion for death resulting from self-inflicted injury or suicide. The plaintiff’s mother died of ovarian cancer, and the insurer denied the claim because it claimed that the mother had intentionally overdosed on pain medication.
Minnesota Life Insurance Dispute - A beneficiary took legal action against Minnesota Life Insurance Company in Alabama federal court in November 2020, alleging that the insurer breached its contract and violated Alabama law by denying a life insurance claim based on an exclusion for death resulting from alcohol or drug abuse. The plaintiff’s husband died of liver cancer, and the insurer denied the claim because it claimed that the husband had abused alcohol for years.
Globe Life and Accident Insurance Dispute - In October 2020, a beneficiary pursued a lawsuit against Globe Life and Accident Insurance Company in Oklahoma federal court, alleging that the insurer breached its contract and violated Oklahoma law by denying a life insurance claim based on an exclusion for death resulting from illness or disease contracted within two years of the policy date. The plaintiff’s wife died of cervical cancer, and the insurer denied the claim because it claimed that the wife had contracted the disease within two years of applying for the policy.
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