New York Life Insurance Claim was Denied?
Has your New York Life life insurance claim been denied? Don’t give up. While filing a life insurance claim might seem straightforward, getting it paid, especially during the crucial contestability period for newer policies, is often anything but. In today’s landscape of online policy sales, life insurance death claims are being denied at an increasing rate due to application errors, misunderstood questions, or overlooked medical history. If your New York Life claim denial has left you without answers, you have a powerful solution. Let our experts fight for the life insurance payout you deserve. Call us today for a free consultation.
Many life insurers make a habit of denying life insurance claims without having all the facts they need to make an informed decision. If you’re a victim of an unfair claim denial, we can help. We represent beneficiaries of denied life insurance claims — that’s all we do. We’ve recovered over $250,000,000.0 for our clients from denied life insurance claims – with no legal fees!
Email or fax us your life insurance claim denial letter for a free evaluation of How to Appeal and Win.
Denied Life Insurance Claims — Getting Insurers to Pay
You don’t need the hassle and cost of a lawsuit to recover a death claim. We appeal denied life insurance claims for our clients and get insurers to pay by going direct to their internal lawyers and claims managers. We’ve been doing this for 30 years with great success.
If you have the right facts and evidence and know how to put them together, you can win an appeal for a denied life insurance claim. But you need to know exactly what the right “facts” and “evidence” are and how to present them. We do. In fact we have more life insurance claim experience than other firm and we know exactly what the “facts” and “evidence” need to be to get claims paid.
Step-by-Step Guide to Appeal a Life Insurance Claim Denied by New York 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 New York Life
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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.
Appealing Denied Life Insurance Claims
As your representative we’ll protect your interests, not the insurers, to get your claim paid.
When you file a life insurance claim the 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. Some denials are justified… but many are not.
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 an 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.
A life insurance Claim 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 form 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 of the insurance company to get your claim overturned and paid.
Need Help Filing Your Claim?
If you have a new life insurance claim that you haven’t filed yet we can help. Policies that are less than 2 years old and policies issued through employers will be subject to investigations before the insurer agrees to pay the claim. It’s best to have a professional read the policy and anticipate anything that might cause your claim to be denied. We’ll represent you and your claim so you have knowledgeable experts working for you, just like the insurer will have their own experts looking for ways to deny your claim.
Why Do New York Life Claims Get Denied?
New York life insurance claims can be denied for a long list of reasons; medical, financial and criminal history are some of the more common reasons. We’ve worked on all of these claims and we’ve gotten millions of dollars paid to our clients even after their life insurance claims were denied.
Just because a New York Life insurance claim was denied doesn’t mean that the matter is finished. If new information is found the claim can be appealed and paid. That’s where we make results happen for our clients. Everything needs to be investigated.
For an even more detailed discussion read our article: Six Reasons Your Contestable Life Insurance Claim Might Not be Contestable.
Can a Claim be Paid From a Lapsed Policy?
Yes. Another reason that a New York Life Insurance claim gets denied is when a policy lapses. We’ve had client where the policy lapsed just days before the insured died. Does this mean the claim gets denied? Maybe, but in our 30 years of experience we’ve worked on many lapsed policy claims and we’ve gotten many of these claims paid.
How We Work
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% payout. No settlements of 50% or 75%. Our clients get all their money.
Free Consultation
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.
Contact New York Life Insurance Company
51 Madison Ave
New York, NY
New York Life Insurance Complaints
How to File a Death Claim with New York Life
View Our Tips for Appealing Primerica Denied Life Insurance Claims →
- If you’re wondering what you can do after your life insurance claim has been denied, specifically: how to start a claim appeal, this will get you started with helpful tips from our experts. How to Appeal Denied Life Insurance Claims and Win!
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