Life Insurance Claim Denied

If your life insurance claim was denied contact us to get it paid. We represent the beneficiaries of life insurance claims. New claims, contestable claims and denied claims — we know how to get them paid. Over $100 million recovered for our clients.

We fight for the beneficiaries of life insurance claims. Contact us for a free consultation:

1-888-428-4868

We Get Denied Life Insurance Claims Paid

The Center for Life Insurance Disputes specializes in getting denied life insurance claims paid for beneficiaries. It’s estimated that $1.4 billion of claims get denied every year. Nearly every time a claim is denied the insurance company states that some information on the original application was wrong. It could be a medical question wasn’t answered correctly — which is the most common reason for a denial. Sometimes it’s a beneficiary issue that the insurer contests. It can be because of arrests or time incarcerated that wasn’t disclosed. It can be a dispute over proper documents, especially for foreign death claims. It can be any number of different reasons that a life insurance claim is denied.

Whatever the reason, as the beneficiary of a denied life insurance claim you need to know what your options are and what it will cost you to fight the denial and get your money. We lay it out for you here. With more than 30 years of death claim experience dealing with nearly every life insurer in the US, we know the claim business.

We do one thing: LIFE INSURANCE CLAIMS. We investigate, formulate and fight denied life insurance claims for beneficiaries.

We’ve gotten over $250 Million paid-out to our clients from denied claims. If you need help call us now.

1-888-428-4868

Where Do I Start If My Life Insurance Claim Is Denied?

When a life insurance claim is denied the beneficiary will receive a letter stating the reason for the claim denial. The information in this letter is important. It offers a place to start in terms of what we have to focus on in our appeal.

Denial letters are usually quite specific. They’ll tell you exactly which application question they’re challenging and the documents they’ve found that support their denial. If you receive a denial letter that simply says the insurer is denying the claim without any specific reason why, then the insurer may be violating fair claims laws.

In addition to the denial letter the original application is important to have. It’s always found in the back of the policy. The application gives the exact wording of the questions the insurer is challenging. The questions have to be looked at carefully because in some cases questions are vague or their meaning isn’t clear. Demonstrating that a question wasn’t understandable can sometimes be enough to get a denied claim overturned and paid. Whether the wording is unclear or not, the original application is critical to fighting a denied death claim.

The denial letter and the application will get things started. Then you have to decide which path to take to challenge the denial. Appeal or lawsuit?

What can you do if your life insurance claim is denied?

To challenge a denied life insurance claim you have 3 options:

Do a Self-Appeal.
Hire The Center for Life Insurance Disputes.
File a lawsuit.

#1: Self-Appeal. A beneficiary can do their own appeal of the life insurance claim denial. When you appeal the death claim denial you must present substantiation for why the claim should be paid. You will refer back to the life insurance claim denial letter and document your reasons why the insurer should reconsider their decision.

Stating your personal opinion will not get your life insurance claim paid. The insurance company is not interested in your opinion, they will only be interested in material facts that substantiate the appeal of your death benefit claim.

You must present your argument in writing, document everything, and submit it to the appeal committee. Many factors (that they will never disclose to you) will be considered by the committee for your life insurance claim appeal. But, if you provide hard evidence that supports your reasons your claim will be paid and you will receive the full death benefit plus interest.

#2: Hire the Center for Life Insurance Disputes. If you don’t feel knowledgeable enough to do your own appeal then retaining the Center for Life Insurance Disputes to do a full investigation and formal appeal is the best option.

Here’s how were different. We go right to the insurer. We don’t file lawsuits because it’s a costly waste of time. We get every piece of important information (records) and do a thorough reconstruction of the issuance of the policy and the claim investigation. When the insurer gets our claim demand they know we understand claims as well as they do and they have no choice but to pay.

With the Center for Life Insurance Disputes working for you, you get experts at claims instead of experts at litigation.

Our clients benefit from our experience. We use our experts, our doctors, and our knowledge of claims practices to get denied claims paid. We’ll deal directly with the insurer’s claims and legal teams to have the claim re-evaluated with new and compelling evidence that will result in a paid claim.

The process of investigation and contesting creates fast results. If the appeal is successful within a few days you’ll have the full death benefit plus interest.

Fees for this service vary. Our standard fee is ten percent upon claim payment with no retainer required.

#3: Lawsuit. The final option for challenging a denied life insurance claim is to hire an attorney to file a lawsuit. He/she should be someone who specializes in life insurance. A life insurance lawyer won’t file an appeal to the insurer, instead they will file a lawsuit in your local Court.

If the claim amount is big enough, and you have a good argument, many attorneys will accept your case on a contingency basis. This means you will not have to pay any money to the attorney unless they are successful.

Successful in a lawsuit, means the case settled or a judgement to pay was ordered by a judge. In 9-out-of-10 life insurance lawsuits the case will settle for approximately 50% of the death claim amount. You will pay the attorney 30% to 40% of the settlement.

What mistakes should I be aware of?

When you submitted your life insurance claim you probably assumed the insurance company was working on your behalf to process and pay your claim. If your claim was denied you now know this wasn’t the case. When an insurer receives a death claim they’re working for their best interest, which is to keep as much of their money as possible. If you want to appeal your claim denial don’t make the mistake of doing it yourself. Get professional help.

Professional help means having representation that knows what they’re doing. If it’s a professional appeal, make sure they have experience and have been successful in appealing claims. If it’s a lawyer make sure they have specific experience with life insurance. It won’t help you to work with an attorney who specializes in disability claims or auto claims. Those are different types of insurance.

Life insurance is a specialty. Be sure you have the best experts working for you.

Our Offer to You

The only thing we do at The Center for Life Insurance Disputes is represent beneficiaries of denied life insurance claims and get their claims paid. We have years of experience with all sorts of reasons that claims have been denied and how to overcome those denials. We use our access to claims manuals, experts and industry knowledge to get our clients’ claims paid.

If you have a denied life insurance claim we’ll start with a free consultation. Then we’ll take the reins and do everything necessary to get your claim paid. If for any reason we aren’t successful you’ll owe us nothing.

We’ve recovered more than $250 million for our clients. See About Us.