We are pleased to announce a recent 30k denied Senior Life insurance claim resolved.
Life insurance companies assess risk based on the information provided by the applicant. Policies are often issued based on the assumption that all disclosed details are accurate. If an insurer later discovers that an applicant failed to disclose a medical condition, especially one that could have influenced underwriting decisions, the claim may be denied under the contestability clause. Most policies include a two-year contestability period, during which insurers can scrutinize an applicant’s medical records if death occurs. If a significant discrepancy is found, they can either adjust the benefit amount, increase premiums retroactively, or deny the claim entirely. Our life insurance law firm handles all denied life insurance claims including: Senior Life; SGLI; VGLI; Globe Life claims; Corebridge Financial claims; and more.
In one of our cases, a 60-year-old man applied for a $500k life insurance policy and stated that he had no history of genetic disorders or heart disease. He was approved at a standard rate, and his policy became active. Unfortunately, two years later, he passed away from a sudden cardiac arrest. During the claim investigation, the insurance company accessed his medical history and found that he had been diagnosed with Fabry disease several years before applying for the policy. His doctor had even discussed the risks of cardiac complications with him. Since this information was not disclosed, the insurer denied the claim on the basis of material misrepresentation. Our life insurance attorneys handle claims from: AETNA Life; Cigna Group; Shelter Life; Liberty National; AAA Life; and more. In another one, a woman in her 40s applied for life insurance and failed to mention her ongoing treatment for chronic muscle pain and mobility issues. At the time of application, her doctors had not yet officially diagnosed her with SPS, but she had been seeing specialists for years regarding worsening symptoms. The insurance company approved her application, but she tragically passed away a year later due to complications from severe muscle rigidity affecting her breathing. During the insurer’s investigation, they discovered extensive medical records indicating that she had been undergoing tests for an undiagnosed neurological disorder at the time of application. The claim was denied. We handle claims from: Country Life; Delaware Life; Prudential Life; Forethought Life; and more. In another one of our cases, a young man in his early 30s applied for life insurance and indicated that he was in excellent health with no history of bleeding disorders. In reality, he had moderate hemophilia A but had managed it well with infrequent treatments. A few years after obtaining his policy, he suffered a traumatic fall that led to internal bleeding, ultimately resulting in his death. The insurer launched an investigation and discovered that he had been receiving factor VIII replacement therapy since childhood. Since he had omitted this critical health information, the insurer ruled his application as fraudulent and denied the claim outright. We will help you with a denied claim from: Northwestern Mutual Life; Companion Life; AFLAC Life; Equitable Holdings; Guardian Life; and more.
Our life insurance lawyers handle delayed and denied life insurance claims. We also handle beneficiary disputes and interpleader lawsuits.