Life Insurance Payout Denied

When you have a life insurance payout denied you need the best representation which means the most experienced and successful representation to fight for you and get your denied life insurance claim paid. Lots of law firms will tell you they can get your denied life insurance claim paid but they usually have little or no experience in life insurance. That’s not us. Fighting denied life insurance claims is all we do. We’ve been recovering denied life insurance payouts for our clients for 30 years. We’re THE experts.

For a free consultation call us now. (888) 428-4868

Most Common Reason a Life Insurance Payout is Denied

The most common reason for a life insurance payout denied is when a medical condition isn’t reported on an application. It doesn’t matter if the person died from the condition, it only matters if it was told to the insurer. When we investigate a denied payout for this reason we often find that the insurer hasn’t done a complete job of learning the whole set of facts from the point of view of the insured. Claim examiners usually only focus on what the insured’s diagnosis was and what the doctor wrote in their records. In other words, they scratch the surface of facts but nothing more. The insurer makes its own interpretation of medical records and denies a claim.

We go well beyond this effort. We uncover what the insured actually knew. Our doctors dig deep into the medical history and uncover the accurate account of the medical condition, treatment and knowledge of what the applicant believed their condition was.

The insured is deceased and can’t speak-up for themselves to tell their side of the story for any alleged misrepresentation. By fully investigating and presenting to the insurer all facts, history, and relevant support, we speak for the deceased.

We continually get life insurance payouts paid after doing this exhaustive degree of investigation.

You Need Help to Win a Life Insurance Claim

Insurance claim examiners are instructed by their companies, ‘do not help a beneficiary get their claim paid’. That’s absurd and completely unfair to a claimant. Of course you need help. That’s why you need the Center for Life Insurance Disputes as your representative. We file claims for our clients, due all the due diligence for the claim, write opinions, and follow it all the way through the claim process to assure the claim is paid – especially Contestable life insurance claims.

Message from Our President:

“I’ve given opinions as a Life Insurance Claims Expert in over 200 life insurance lawsuits. Some have been very complex cases regarding death claims that were denied for medical background or lifestyle reasons. In case after case I applied investigative efforts to the way the insurer came to their decision to deny. And in case after case my clients have been awarded large verdicts based on my discoveries. Insurers typically only go as far into their claim examinations as they need to, to find a reason to deny. That’s not enough. Claims have to be fully vetted before any decision is genuinely a correct claim decision. The methodology we use at the Center for Life Insurance Disputes is to go beyond a limited effort and gather a complete picture of facts to demonstrate why a life insurance claim is payable. Our success is no accident.” Stephen C. Burgess

More Reasons for a Life Insurance Payout Denied

Part of a life insurance application asks questions about a person’s medical background, and another part asks about their lifestyle history. The Lifestyle questions ask things like; has the person has been arrested? Does the person scuba dive? Have they had their driver’s license revoked? Each of these questions can be used as an insurer’s reason to deny a life insurance payout.

At the Center for Life Insurance Disputes the same principal applies to Lifestyle denials as does to Medical denials; the details have to be fully investigated and confirmed before a payout can be denied.

When Should You Contact Us?

The best time to get representation for your life insurance claim is the moment you think there’s a chance it could be denied. Typically, for contestable life insurance claims, that’s before the claim is filed.

If your life insurance payout was already denied, it’s not too late for us to get it overturned and paid.

Tell us about your claim: Email Us

How We Get Paid

No money down. Never a retainer. We get paid when your claim is paid. If the insurer doesn’t pay, then you owe nothing.

The Largest Life Insurers in the US

The 13 largest life insurers provide 90 percent of all life insurance coverage in the United States. They include:

Prudential

MET Life – Brighthouse Financial

Transamerica

New York Life — AARP

Lincoln Financial

Minnesota Life – Securian

Northwestern Life

Nationwide

Mass Mutual

State Farm

Guardian

AAA Life

American General – Corebridge Financial

We represent life insurance claim beneficiaries in all locations in the United States, including:

New York, Boston, Miami, Phoenix, San Jose, St. Louis, Orlando, San Francisco, San Diego, Dallas, Austin, Kansas City, Los Angeles, Chicago, Washington, Philadelphia, Atlanta, Detroit, Seattle, Minneapolis, Riverside, Tampa, Denver, Sacramento, Pittsburg, Las Vegas, Salt Lake City, Buffalo, Hartford, and Houston.