Life Insurance Lawyer San Diego California

Our San Diego life insurance lawyers are here to help. We serve all states. Free consultation. No fee unless settlement.

What are some unusual exclusions with respect to a denied life insurance claim?

Life insurance policies may have exclusions that limit coverage or may deny claims under certain circumstances. Some unusual exclusions that may result in a denied life insurance claim include:

Death resulting from a dangerous activity: Some life insurance policies may exclude coverage for deaths resulting from dangerous activities such as skydiving, bungee jumping, or extreme sports.
Suicide or self-inflicted injury: Many life insurance policies have a suicide clause that limits or denies coverage if the insured dies by suicide within a certain period after the policy is issued.
War or acts of terrorism: Some life insurance policies may exclude coverage for death resulting from war or acts of terrorism.
Criminal activity: Some policies may exclude coverage for death resulting from criminal activity, such as homicide or drug use.
Misrepresentation or fraud: If the insured misrepresented or failed to disclose important information about their health or lifestyle on their life insurance application, the policy may be voided or the claim may be denied.

It is important to review the terms and conditions of a life insurance policy carefully and understand any exclusions or limitations that may affect coverage. If there is any confusion or uncertainty about the policy language, it may be helpful to consult with an attorney who specializes in life insurance law.

2023-2024 San Diego California Denied Life Insurance Claims Resolved

Gerber interpleader filed $67,000.00
Ohio National denied life insurance claim $35,000.00
Nippon Life autoerotic asphyxiation death $93,000.00
Zurich American COVID-19 death denied $54,000.00
San Diego denied life insurance claim $70,000.00
Fidelity Life plane crash $109,000.00
Landmark Life coronavirus denial $61,000.00
Accidental Death & DIsmemberment San Diego $50,000.00
JC Penny Life act of war exclusion $25,000.00
SGLI beneficiary dispute $401,000.00
New York Life delayed insurance claim $45,000.00
All American life oxycontin death denial $12,000.00
Kotak Life lapsed policy automatic deduction $30,000.00
Birla Sun chronic illness exclusion resolved $29,000.00

Interpleader Lawyer San Diego

A life insurance interpleader occurs when there is a dispute over the distribution of life insurance proceeds among multiple claimants or beneficiaries. In such cases, the insurance company may initiate a legal action known as interpleader to have the court determine the rightful recipient(s) of the proceeds.

Here's an example to illustrate how a life insurance interpleader might arise:

Example: John Smith, a father of two adult children, Jane and Mark, had a life insurance policy with a substantial death benefit. He named both Jane and Mark as beneficiaries of the policy. However, before his passing, John remarried to Susan and designated her as the sole beneficiary of his policy without updating the policy documents. Unfortunately, John passed away without clarifying his intentions regarding the life insurance proceeds.

Both Jane and Mark believe they are entitled to the life insurance proceeds as named beneficiaries, while Susan argues that she is the rightful beneficiary as John's spouse. As a result, Jane and Mark file claims with the insurance company, and Susan also makes a claim.

Facing conflicting claims, the insurance company decides to initiate a life insurance interpleader action. They deposit the policy proceeds with the court and name Jane, Mark, and Susan as defendants in the interpleader lawsuit. The court will then determine the rightful beneficiary based on evidence provided by all parties involved.

In this scenario, the interpleader process helps to resolve the dispute impartially and ensures that the life insurance proceeds are distributed to the appropriate party according to the court's decision.