Farmers Life Insurance claim was denied? We can get it paid.

Farmers Life insurance claim was denied?

We get denied life insurance claims paid for our clients. Contact us for a free consultation and read more below about Farmers Life Insurance claims.

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Why Farmers Life Insurance claims get denied

The main reason death claims are denied by Farmers Life Insurance is because life insurance is not the primary focus of their agents. When you buy a policy from Farmers Life Insurance it’s probably secondary to a homeowners policy or an auto policy that you already have. The agents treat life insurance as if it was just like selling an auto policy. It isn’t.

The questions on Farmers life insurance application have to be explained correctly by the agent and understood by the applicant so there are no mistakes because when the insured dies Farmers can go back — after the death — and investigate the answers for accuracy to deny claims.

Getting A Denied Life Insurance Claim Paid by Farmers Life

When you file a life insurance claim Farmers won’t advise you to get a personal representative. They’ll act for themselves — not you. When they can they’ll do an investigation and look for reasons to deny the claim. Some denials are justified, but many are not.

When a life insurance claim gets denied many people think their only option is to sue the insurance company. But a lawsuit shouldn’t be the first thing you do. The first thing to do is have your claim evaluated by an expert and determine if you can appeal the denial without a lawsuit. This will be faster and much less expensive than a lawsuit. If an Appeal isn’t successful, then you can sue the insurer.

A life insurance Appeal starts with a new evaluation of all the facts surrounding the history of the insured, the application, medical records, arrest & driving records, accident reports and all other relevant evidence, by someone who knows what all of this evidence means. And, rather than look for reasons to deny your claim, an appeal evaluation by your own representative will look for reasons to approve your claim.

A proper appeal uses the evidence to form the reasons why the claim should be paid, is put into a report with conclusions from consulting experts and presented to those people at the insurer who evaluate death claim appeals (it’s not the claim examiners).

We evaluate and appeal denied life insurance claims for beneficiaries. We’ve recovered over $85 million for our clients from declined claims and we can do the same for you. As your representative we’ll protect your interests, not the insurers, and we’ll get your claim paid.

How to Get Farmers Life Insurance Claims Paid

If a Farmers New World life insurance claim was denied often it’s because the claims department finds discrepancies between answers on an application and records that are obtained after the claim is made. One of the most common discrepancies is related to medical information.

Many Farmers New World life insurance claim denials are based on a medical misrepresentation. However, the larger the life insurance policy the less likely this is to happen. With large policies Farmers New World life insurance will gather all of the applicant’s medical records before they issue a life insurance policy. When a policy is of a smaller amount the insurer will often not request medical records – instead relying on the answers given on the application.

Another common discrepancy that will cause a Farmers New World life insurance claim to be denied is financial information. In some instances an applicant may appear to have incorrectly stated their financial status – either income, net worth or both. Often times on life insurance applications financial information is based on ballpark figures, not exact numbers. This can be a reason for discrepancies that may cause a life insurance claim denial.

Getting farmers to change their decision on a claim requires an understanding of underwriting methods and the proper analysis of the insured’s records. We’ve been winning claim appeals for 30 years.

For an even more detailed discussion read our article: Six Reasons Your Contestable Life Insurance Claim Might Not be Contestable.

You Need a Life Insurance Expert to Win an Appeal

When you filed your life insurance claim you were on your own. The Farmers acted for themselves — not you — and they denied your claim.

When you appeal a claim denial you need a life insurance expert.

How will you know what the insurer is allowed to do and what you have to agree to if you want to argue against their denial? Do you know what documents their claims department can ask you for or how long they can take to complete their appeal investigation? We do! As your representative we’ll protect your interests, not theirs.

Why Accidental Death Claims get Denied

If you have an accidental death policy with Farmers we can help with that too. For Farmers life insurance policies covering accidental death and dismemberment benefits (AD&D), an evaluation of the death certificate will be important. Accidental death claims are typically only payable if the death was the direct result of an accident. There cannot be any health issues contributing to the death. If it turns out that existing health issues contributed to an accidental death the Farmers New World life insurance claim will likely be denied.

Along the same line of reason, if an accidental death is the result of the insured’s blood alcohol exceeding the state’s legal limit, the Farmers New World life insurance claim will be denied. This is known as an exclusion to coverage and will be stated in the policy. Likewise, if the toxicology report indicates an illegal substance, the claim will be denied.