National Life Insurance Claim was Denied?
The experience of a denied life insurance claim is frustrating. People expect their insurer to payout. When it happens you need to know your options for fighting the denial and your rights. Here we share information for anyone whose National Life insurance claim was denied. While litigation is an option, we don’t think it should be the first option – there are alternatives that are more effective and less expensive.
As always, if you’d like to speak with a life insurance claim expert contact us by phone or email for a free consultation.
Step-by-Step Guide to Appeal a Life Insurance Claim Denied by National 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.
Denied Life Insurance Claims — Getting Insurers to Pay
When you filed your life insurance claim you may not have realized it but you were on your own. National Life acted for themselves. They likely had help from a company like CoventBridge, which was also acting in the best interest of National Life. And they had their own team of doctors and investigators helping them. All of this was for one purpose: to find a reason to deny your life insurance claim.
Claimants need a life insurance expert working just for them.
Just like National Life employs their own claim experts, a claimant can employ their own too. And they should. Life insurance claims are complicated, mistakes can happen and someone needs to be working in the best interest of the beneficiary.
Death Claim Experience
National Life insurance claims can be denied for reasons like medical history, financial disclosures and criminal history.
But, just because a National Life insurance claim was denied doesn’t mean that the matter is finished. Life insurance denials can be appealed an won. The first thing to do is fact-check the basis for the denial. If it’s a medical reason, confirm the medical information is accurate. If the denial is for a criminal history, learn when the offence occurred and the court’s penalty.
Any inaccuracy of information can be enough to overturn a denied claim and get it paid. Everything needs to be investigated.
It doesn’t require a lawyer to do this work. In fact, a life insurance claim expert is more likely to discover an inaccuracy because their goal is to get the claim paid, while a lawyers goal is to start litigation.
National Life – Contestable Death Claims
Certainly, if a death occurs within 2 years of the policy being issued National Life will do a comprehensive claim investigation called a Contestable Claim review. Most people are unaware that under the Rules of Contestability their claim may not actually be investigated. If the claim is not contestable, according to Contestability Rules, National Life has to pay.
For a detailed discussion about the Rules of Contestability, read our article: Six Reasons Your Contestable Life Insurance Claim Might Not be Contestable.
Need Help Filing Your New Claim?
If you have a life insurance claim to file with National Life and would like a claim specialist to prepare and file the claim for you, contact us. We’ll prepare the claim , fact check and concerns before it’s filed, work through any red flags, and make sure your interests are protected and the claim is paid.
There’s never a retainer or hourly fee.
Denied Life Insurance Claim Representation
When we take on a new client we investigate everything that’s important to the claim. This includes the events of the application, the medical history, the way the claim was handled by the insurer, and many, many other important facts. This is the best way to get denied life insurance claims overturned and paid. We prove why your claim should be paid. That’s why our clients always get a 100% payment of their claim. No settlements of 50% or 75%. Our clients get all of their money.
We get paid when you get paid.
Over $250 million of Denied Life Insurance Claims Recovered
We’re the premier life insurance claim firm for anyone whose claim has been wrongly denied or for those beneficiaries being strung along waiting for their claim to be paid. Aggressive representation by experienced professionals who only represent life insurance beneficiaries. That’s us. Before you engage in a lawsuit, speak with one of our experts.
Free Consultation: 888-428-4868
National Life Group Contact:
1 National Life Drive
Montpelier, VT 05604
Ready to file a death claim? Find National Life Insurance Claim forms here.
Having a problem with National Life insurance company. Let us help. A step-by-step guide to getting resolution for death claim and policy complaints. National Life Insurance Complaint.
View Our Tips for Appealing New York Life Denied Life Insurance Claims →
