We are happy to have resolved a denied Kansas City Life insurance claim. Our life insurance lawyers handle all delayed and denied life insurance claims as well as beneficiary disputes. We handle claims from all companies including: Globe; Unum; Corebridge; AARP; Liberty Mutual; ETHOS; and more.
Many professions are considered high risk due to the potential for fatal accidents, exposure to harmful conditions, or violent threats. Here are some of the most common occupations that often lead to denied life insurance claims or exclusions: Fishing is one of the most dangerous professions in the world. Workers often operate in extreme weather conditions, rough waters, and with heavy machinery that can cause fatal injuries. The risk of drowning, equipment malfunctions, and vessel accidents make insurers wary of approving policies for fishermen. Due to the unpredictability of the job and the high mortality rate, many insurance providers either deny claims involving commercial fishing or charge prohibitively high premiums. Logging is consistently ranked among the most hazardous occupations due to the risks associated with falling trees, chainsaw accidents, and dangerous terrain. Workers often operate in remote areas with limited access to emergency medical assistance, increasing the likelihood of fatal injuries. As a result, life insurance companies may refuse coverage or include specific exclusions related to workplace accidents in logging operations. Mining, whether deep-sea or underground, presents numerous occupational hazards, including cave-ins, explosions, exposure to toxic gases, and equipment malfunctions. Coal miners, in particular, are at high risk of developing respiratory illnesses that could lead to early death. Because of these significant dangers, insurance providers frequently impose coverage restrictions or outright deny policies for miners.
While commercial airline pilots may have access to group life insurance policies, pilots involved in private aviation, bush flying, or military operations often struggle to secure coverage. The risks associated with small aircraft, unpredictable weather conditions, and mechanical failures increase the likelihood of fatal crashes, making insurers hesitant to approve standard policies for these individuals. Helicopter pilots, especially those in emergency medical services or offshore oil rig operations, also face difficulty in obtaining coverage.
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