Guardian Life Insurance Claim was Denied?
Facing a Guardian Life insurance claim denial can be devastating. While initiating a claim is often simple, securing the actual payout, particularly for policies within their contestability period, has become increasingly complex. The rise of direct-to-consumer and online insurance sales has led to a significant increase in denied life insurance claims.
Common reasons for Guardian Life claim denials include: application inaccuracies, misinterpretations of questions, and undisclosed medical information. If your Guardian life insurance death claim has been denied, navigating the appeals process alone is not the best strategy. We specialize in fighting denied death claims for beneficiaries.
Many life insurers make a habit of denying life insurance claims without having all the facts they need to make an informed decision. If your Guardian life insurance claim was denied, contact us to get it paid. Over $250,000,000.00 recovered for our clients. If you’re a victim of an unfair claim denial contact us for a free death claim consultation.
Step-by-Step Guide to Appeal a Life Insurance Claim Denied by Guardian Life
#1. Obtain a copy of the Denial letter.
#2. Take action within 3 years of the denial.
#3. Write a 1-2 paragraph explanation why you disagree with the claim denial.
#4. Provide your full name and phone number.
#5. Email or fax the paragraph and Denial letter to us at info@cflid.com, or fax us at (866) 885-4074.
We’ll review the facts, determine the best way to appeal the claim and act immediately to get your claim paid.
Common Reasons a Life Insurance Claim is Denied by Primerica Financial
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Medical information not disclosed
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Premiums weren’t paid
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Criminal history
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Drunk driving conviction
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Pre-existing medical condition
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Suicide
Start your denied claim appeal by contacting our Appeals Department. We’ll take immediate action to secure the money you’re entitled to with costly litigation or low settlements.
Denied Life Insurance Claims – Getting Insurers to Pay
When you file a life insurance claim the insurance company doesn’t advise you to get a personal representative. They act for themselves — not the beneficiary. Their investigations look for reasons to deny claims. As a claimant, you need someone looking for the reasons your claim should be paid.
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 a life insurance claim expert like us to 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.
Step-by-Step Guide to Appeal a Life Insurance Claim Denied by Guardian Life
#1. Obtain a copy of the Denial letter.
#2. Take action within 3 years of the denial.
#3. Write a 1-2 paragraph explanation why you disagree with the claim denial.
#4. Provide your full name and phone number.
#5. Email or fax the paragraph and Denial letter to (us) at info@cflid.com, or fax us at (866) 885-4074.
We’ll review the facts, determine the best way to appeal the claim and act immediately to get your claim paid.
Internal Appeal of Denied Life Insurance Claims
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. Rather than look for reasons to deny your claim, an appeal by your own representative will look for the reasons your claim should have been approved.
A proper appeal uses fact-based evidence to establish the reasons why the claim should be paid. We find the evidence, we put it into a formal Report and we work with the lawyers for the insurance company to get your claim overturned and paid.
Read more: How to Appeal Denied Life Insurance Claims – and Win!
Why Guardian Life Insurance Claims Get Denied
If your Guardian life insurance claim was denied, don’t worry. We’ve recovered denied life insurance claims from most major insurers. While the primary reason for a claim denial is that medical history was not disclosed on the application, over the years we have recovered claims where the denial was also due to inconclusive evidence, autopsy results, foreign death claims, blood alcohol tests, accidents, financial inaccuracies, policy lapse, and many other circumstances.
If this is your first life insurance claim denial you’ll likely feel stunned when you receive the Denial Letter. We’re not. Considering that certain current laws favor the insurer to deny a life insurance claim, and most individuals are unaware of these laws, quick-decision denials are common in the industry.
After your life insurance claim is denied you can either accept the decision or you can aggressively pursue the money that is owed to you. We represent those who want to aggressively pursue their money. 30 years of experience. Over $250 million recovered. Great relationships with claim examiners. No legal fees.
Why Accidental Death Claims Get Denied
For Guardian life insurance policies covering accidental death and dismemberment benefits, 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 Guardian 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 Guardian 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.
Again, after your life insurance claim is denied you can either accept the decision or you can aggressively pursue the money that is owed to you. We represent those who want to aggressively pursue their money.
How Do I Get My Guardian Life Insurance Claim Paid?
Our experts appeal denied life insurance claims with great success. We do our own investigation, review all documents, employ qualified experts, analyze records, write the appeal, and work with the insurer throughout the appeal process.
You must understand the underwriting process in order to understand the claims process. In many cases a life insurance claim was denied because the claim was not properly investigated. Important details aren’t known by the claims examiner when their decision is made. By ensuring that the facts surrounding a case are fully investigated and documented, the likelihood of getting your claim paid is maximized.
The Center for Life Insurance Disputes has over 30 years of focused experience in dealing with life insurance claims and a proven track record of recovering money for our clients. Don’t waste your time in a lawsuit. If you want your claim paid quickly, contact us now. We only get paid once the claim is paid.
Contact for Guardian Life Insurance Company of America
7 Hanover Square
Customer Service, H-6-D
New York, NY, 10004
