Why Life Insurance Claims Are Rejected
Navigating the legal aftermath of a denied claim requires precision and deep industry knowledge. Insurance companies often cite material misrepresentation or policy lapses as grounds for non-payment. However, these denials are frequently based on technicalities that can be legally challenged.
Our firm specializes in auditing these denials. We investigate whether the insurer provided proper notice of premium due dates and whether the "misrepresented" information was truly relevant to the policy issuance.
Learn About Denials
Expert Appeals
We handle the complex administrative appeals process required by ERISA and state laws.
Policy Audit
Detailed review of your policy to find loopholes used by insurers to avoid payouts.
No Win, No Fee
We work on a contingency basis. You pay nothing unless we recover your money.
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The Contestability Period: A Critical Window
If a policyholder dies within the first two years of a policy, the insurer triggers a "Contestability Period." During this time, they have the legal right to scrutinize the original application for any errors.
An experienced life insurance attorney ensures that the insurer doesn't overstep their bounds during this audit. We protect beneficiaries from invasive requests and ensure that the burden of proof remains on the insurance company.
Bad Faith Litigation
If an insurance company intentionally delays or denies a valid claim without a reasonable basis, they may be guilty of Insurance Bad Faith. This could entitle the beneficiary to damages beyond just the original policy amount.