Yes life insurance will payout for COPD (Chronic Obstructive Pulmonary Disease). COPD and Life Insurance Claims We see a lot of life insurance claims denied for COPD, or Chronic Obstructive Pulmonary Disease and many of these claims shouldn’t have been denied. This article explains some of the things most relevant about COPD and getting life […]

We recently represented a client whose spouse was covered under an employer life insurance plan. The insured’s death was unexpected, which raised concerns from the insurer. Without doing a thorough examination of the facts surrounding the death, the insurer labeled it a suicide. What our investigation found was that suicide – as a manner of […]

There was never a more soft-spoken, kind woman than Kim from Baltimore. But even she became furious when her husband’s life insurance claim was denied. He’d had the policy for ten years and now, when she really needed the money to pay for his funeral, the insurance company was not going to pay her claim. […]

To appeal a denied life insurance claim, start by requesting the insurer’s complete claims file and identifying the specific reason for denial. Then gather supporting documentation, submit a formal written appeal to the insurer’s review department, and escalate to your state’s Department of Insurance or a claims specialist if the appeal is rejected. Understanding Why […]

Suicide and Life Insurance Claims Will the Insurance Company Pay the Benefit? Most people think that if a person commits suicide then their life insurance policy won’t pay the claim. We disagree. In fact, we’ve argued and won many claims where the insured’s death was said to have been a suicide and we proved it […]

Life Insurance Claim is Denied – Fight Back No one expects their life insurance claim to be denied but when it happens — and yes, it does happen — you need to know what to do.  Here we explain in simple terms what to do if your life insurance claim is denied – based on […]

Are people hiding their medical history just so they can buy life insurance? US consumers paid over $15 billion in premiums to buy life insurance in 2023, according to LIMRA. The intent of most is to leave money to their loved ones upon their death. When an insurer receives a claim for the death benefit […]

A client’s spouse recently died of an accident while living in a foreign country. This man was insured under an employer sponsored accidental death policy. He was in his 50’s and had no issues with his health. While walking down the stairs he accidentally fell down and hit his head. He died within hours. Because […]

Yes. Life insurance will payout for PTSD. Post Traumatic Stress Disorder & Life Insurance Claims PTSD (post-traumatic stress disorder) is a psychiatric disorder that may occur in people who have experienced or witnessed a traumatic event (according to the American Psychiatric Association, see Psychiatry,org). For a life insurance claim to be denied for PTSD the […]

Contestable Life Insurance Claim? Don’t Believe It We’ve lost track of how many times the beneficiary of a life insurance policy was told their claim was contestable, only to find out through our investigation that it wasn’t. It’s one reason we’ve been able to deliver over $250 million of claim benefits to our clients. What […]