One of our recent concerns has been with life insurance that is sold over the internet without an agent. A benefit of agent advice is making sure the application is completed properly. Often times an applicant does not know exactly what information the insurer is looking for and mistakenly answers a question inaccurately. I’m not talking about lying on an application, I’m referring to misunderstanding what is being asked. Without the input of an agent, the applicant is left on his own to answer the questions and may make an answer that can invalidate the policy. Where this happens is when the insured dies and a claim is made, and the policy is “contested”.
If you had a claim denied by Globe Life, or any other insurer, we can dispute the denial and get your claim paid. Call us at 888-428-4868.
Contestability means an insurer can challenge the information given on an application and if it turns out the answers were not exactly correct, the insurer can deny the claim. We have identified several companies where this occurs, but the Globe Life Claims department seems to be especially adept at this.
Globe Life claim