We announce a successfully resolved Assurity life insurance claim denial. Life insurance provides money to beneficiaries when an insured dies, but sometimes claims are met with denial, leaving families in distress. A denied claim can be a result of many factors, ranging from underwriting issues to non-disclosure of crucial information. Our life insurance lawyers fight denied life insurance claims and win. We will fight all insurers including: Assurity Life; Sammons Life; Jackson National Life; Pru Life; and more. Insurance policies are governed by clauses that determine the validity of a claim. One of the primary reasons for denial is non-disclosure or misrepresentation in the initial application. If a policyholder fails to disclose pre-existing health conditions, insurers may classify it as fraud, leading to claim disapproval. Additionally, policies often contain exclusions for certain causes of death, such as suicide within the contestability period. If the death falls under an excluded risk, the claim will likely be rejected, however, our life insurance law firm fights all denied claims and wins. Recent resolved disputes involved: Brighthouse; Aegon; Global Atlantic; Western Southern; and more.
Another common reason for denial is a lapse in the insurance policy due to non-payment of premiums. If the policyholder failed to make timely payments and the grace period expired, the policy could be considered terminated. Policy disputes also arise when insurers argue that the death does not meet the criteria set forth in the contract. For instance, if the policyholder died while engaging in a high-risk activity that was not covered, the insurer may cite an exclusion clause to justify the denial. Life insurance companies rely on a detailed underwriting process to assess risk and determine eligibility for coverage. The evaluation includes an inquiry into the policyholder’s medical records, lifestyle habits, and financial history. A medical exam may be required to validate health conditions and ensure compliance with the insurer’s criteria. If, during the investigation process, the underwriter finds discrepancies between the application and actual risk factors, the insurer may issue a denial letter. The assessment also extends to the evidence provided by the claimant. If documentation such as proof of death, medical records, and witness statements is incomplete or insufficient, the insurer may deem the claim invalid. Third-party assessments and adjudication may be used to verify the legitimacy of a claim, and any violation of the policy’s provisions could result in non-payment.
A denied claim does not necessarily mean the end of the road for beneficiaries. Many insurance policies have an appeal process that allows claimants to contest the decision. A written request must be submitted, accompanied by additional proof and documentation supporting the claim. Engaging a lawyer can help navigate the complexities of a legal battle, ensuring that the claimant’s legal rights are upheld.
To avoid the distress of a denied claim, policyholders must ensure full disclosure during the application process. Providing accurate information about health conditions, lifestyle choices, and financial status reduces the risk of non-disclosure disputes. Regularly reviewing and updating the insurance policy, including endorsements and amendments, ensures that coverage remains valid and aligned with the policyholder’s needs. Our life insurance lawyers will fight delayed life insurance claims as well as denied life insurance claims.