Alcohol is a common reason for denied life insurance claims, especially with respect to accidental death and dismemberment (AD&D) policies. Our top life insurance law firm fights all alcohol related denied life insurance claims, and we win. We have recently won life insurance cases against: Securian Financial: Unum Life; Washington National; Colonial Life; Northwestern Mutual and more. When a life insurance claim is filed, insurers investigate the circumstances of the insured’s death. If alcohol is found, the claim may be denied, especially if the policy has exclusions related to alcohol use.
Accidental death and dismemberment policies often have stricter exclusions compared to standard life insurance policies, and alcohol use is a frequent point of contention. AD&D policies typically do not cover deaths or injuries that occur while the insured is under the influence of alcohol. Most denied AD&D claims due to alcohol our firm gets involve single vehicle car accidents in which the driver loses control and runs off the road and hits a tree. Beneficiaries have the right to challenge denied claims, especially if they believe the denial was unjust. If an insurer denies an AD&D claim on the grounds of alcohol consumption beneficiaries can appeal the decision. Our life insurance law firm fights all denied life insurance claims due to alcohol, and we win. We have handled denied AD&D claims from: Sun Life; Prudential Life; AFLAC Life; The Hartford; Lincoln Financial; Mutual of Omaha; MetLife; and more.