Life Insurance Appeal Process

If a life insurance company denies your claim, you may have the right to appeal the decision. The appeal process gives beneficiaries an opportunity to challenge the insurer’s reasoning, submit additional evidence, and seek the benefits they believe are owed.

Morgan & Morgan can review your denial and help determine what options may be available.

How the Life Insurance Appeal Process Works

1. Review the Denial

Start by identifying exactly why the insurer denied the claim. Common issues may involve alleged misrepresentations, policy exclusions, missed premiums, questions about coverage, or disputes over the insured’s medical history.

2. Review the Policy

Compare the insurer’s explanation with the language of the policy. The denial may depend on how the insurer interpreted a specific provision or whether it had complete and accurate information.

3. Gather Supporting Evidence

Depending on the dispute, helpful records may include the policy, insurance application, premium history, medical records, beneficiary documents, employer records, and communications with the insurer.

4. Submit the Appeal

The appeal should directly address the insurer’s stated reasons for denying the claim and provide evidence supporting payment of the benefit. Deadlines may apply, so it is important to act promptly.

5. Consider Your Next Options

If the insurer upholds the denial, additional administrative or legal options may still be available. An attorney can review the decision and determine what steps may come next.

What About Employer-Sponsored Life Insurance?

Life insurance provided through an employer may be governed by ERISA and can involve different appeal requirements. Disputes may also arise over whether group coverage remained active, whether the insured had the right to convert coverage to an individual policy, or whether the policy was properly converted.

Morgan & Morgan Can Help

A life insurance denial can involve complicated policy language, strict deadlines, and significant financial consequences for beneficiaries.

If your claim was denied, contact Morgan & Morgan for a free case evaluation. We can review the denial, assess the available evidence, and help you understand the appeal process. The Fee Is Free® unless we win.