life insurance claims and disputes Blog

Has Your Globe Life Insurance Claim Been Denied?

admin — Fri, 13 Apr 2012 00:12:55 +0000

Globe Life Insurance Company sells their life insurance policies over the internet. They ask people to fill-out an online application and even allow you to pay the premium by credit card. They make it easy to get coverage. But while this may seem effecient and easy, there are big reasons to be concerned. We are seeing many Globe Life death claims denied because, as they state in their denial letters, ‘material medical information was not disclosed’.

We have been able to effectively dispute many denied life insurance claims. If you have been denied a life insurance policy death claim by Globe Life, we encourage you to contact us to discuss how we can get the claim paid. Call us directly at 888-428-4868. The Center for Life Insurance Disputes.

How we got an HSBC death claim denial reversed and forced them to rewrite their application

admin — Tue, 10 Apr 2012 20:27:09 +0000

In 2007 our client submitted a death claim to the HSBC life insurance claims department. Sadly, his mother had recently passed away after suffering from medical complications. The death claim was reviewed and quickly denied. According to HSBC ‘material health information was not disclosed on the on-line application’. HSBC specifically stated in their denial letter that they had asked the question, “Have you ever had a Stroke?” and that the insured answered “No”. Both of these facts were true.

As is standard practice for all contestable life insurance claims, the insured’s medical records were reviewed by HSBC’s claims department. What they claimed to be in the medical records were doctor’s notes that the insured had suffered “mini strokes” – medically referred to as a TIA (Transient Ischemic Attack).

Our client contacted The Center for Life Insurance Disputes because he believed he and his mother had answered the application honestly and disclosed everything about her medical condition. We immediately opened our investigation into the facts. Very quickly we found several things that contradicted HSBS’s claim denial;

1- The application specifically asked about Strokes, but made no mention of TIAs.

2- The medical records did not state that any Stroke had occured. Neither did the records state that any TIA had occured. What the records did state was that TIAs were suspected.

We then went deeper in our efforts to build a solid case for reversing the denial. First we obtained a letter from the attending physician that stated the insured never had a stroke nor TIA. Then we went to the American Heart Association and obtained a statement that ‘a stroke is not a TIA, and a TIA is not a stroke — the two events are distinctly separate’.

Believing we had now gathered enough irrefutable evidence for HSBC to make an easy decision to approve the death claim, we presented all of our information with a request for a reversal of their denial.

Over the next 24 months HSBC delayed, delayed and further delayed their decision. The Claim Underwriter, Michelle Charette, refused to take or return phone calls. The Customer Disputes Representative, Daniel Richards, would leave general messages for us at 3am – so not to have to speak to anyone. The Customer Service Department continually told us to “call back in 14 business days”. Almost no written correspondence was ever sent by HSBC informing us of the status of the claim.

What we knew to be true was that HSBC was wrong in their denial and our client was owed the death claim money. What we didn’t know was that HSBC’s life insurance claims department has no regard for their customers or dealing with claimants fairly. Finally, by leveraging some executive level relationships, 2 years and 9 months after her death, the claim was finally paid. Our client received a check for $250,000.00 — with a statement referencing the claim information and an incorrect customer service telephone number in the event of any questions.

As a final note, during this claim dispute, HSBC rewrote their life insurance application. The question now asks ‘Have you ever had a Stroke or TIA?’

If you have a life insurance claim dispute and would like to speak to someone at The Center for Life Insurance Disputes, please email or call us directly at 888-428-4868. We accept new clients with no money owed unless their claim gets paid.

Indexed Universal Life Insurance

admin — Mon, 19 Mar 2012 20:41:58 +0000

We are conducting a research project for Index Universal Life Insurance policies. We are looking for information from anyone who bought an IUL policy within the past 5 years. Some of the companies we are interested in are Pacific Life, Penn Mutual, AXA, Fidelity & Guarantee, Minnesota Life, AVIVA, Aegon, and ING. We will be researching the performance of these policies against the initial projections when the policies were purchased. All information will be completely confidential. Please contact us at this email address: info@cflid.com with the title: IUL policy.

New York Life Reclamos de Seguros de Vida

admin — Fri, 17 Feb 2012 06:00:36 +0000

Si usted tiene una indemnización por muerte de vida en los Estados Unidos y necesitan ayuda para la reclamación, póngase en contacto con el Centro para los Reclamos de Seguros de Vida al 888-428-4868. Hemos colectado y pagado más de 35 millones de dólares para nuestros clientes.

life insurance expert

MET Life Reclamos de Seguros de Vida

admin — Fri, 17 Feb 2012 05:55:34 +0000

Si usted tiene una indemnización por muerte de vida en los Estados Unidos y necesitan ayuda para la reclamación, póngase en contacto con el Centro para los Reclamos de Seguros de Vida al 888-428-4868. Hemos colectado y pagadomás de 35 millones de dólares para nuestros clientes.

life insurance expert

ING Reclamos de Seguros de Vida

admin — Fri, 17 Feb 2012 05:45:34 +0000

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American General Reclamos de Seguros de Vida

admin — Thu, 19 Jan 2012 22:24:43 +0000

Mientras que algunos de los reclamos toman la delantera y pagan inmediatamente hay otros que no lo hacen. Por diversas razones muchas reclamaciones son investigadas en virtud de la cláusula de la competencia de la póliza de seguro. Esta cláusula establece que durante los dos primeros años de la póliza, si el asegurado muere, la compañía de seguros puede investigar antes de pagar la indemnización. La investigación radica en la es la información dada por el solicitante. Esto incluye condiciones médicas, información financiera, y American General Life no es diferente.
Si usted tiene una indemnización por muerte de vida en los Estados Unidos y necesitan ayuda para la reclamación, póngase en contacto con el Centro para los Reclamos de Seguros de Vida al 1-888-428-4868. Hemos colectado y pagado más de 35 millones de dólares para nuestros clientes.

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American General Life Claims

admin — Mon, 16 Jan 2012 05:37:52 +0000

While some claims are straight-forward and get paid immediately there are others that are not. For various reasons many claims are investigated under the Contestability clause of the policy. This clause states that during the first two years of a policy, if the insured dies, the insurance company can investigate before paying the claim. What they investigate is the information given by the applicant. This includes medical conditions, financial information, and cause of death. In all Contestable instances the insurance company is looking for reasons they can deny the death claim. American General Life is no different.

If you have a death claim with American Life and need help getting the claim paid, contact the Center for Life Insurance Disputes at 888-428-4868. We have collected over $35 million for our clients.

life insurance expert

Hartford Life Claims

admin — Mon, 16 Jan 2012 05:31:39 +0000

If you have a death claim with Hartford Life and need help getting the claim paid, contact the Center for Life Insurance Disputes at 888-428-4868. We have collected over $35 million for our clients.

John Hancock Life Claims

admin — Mon, 16 Jan 2012 05:27:15 +0000

If you have a death claim with John Hancock Life and need help getting the claim paid, contact the Center for Life Insurance Disputes at 888-428-4868. We have collected over $35 million for our clients.