Proven Life Insurance Results. The Strength of Morgan & Morgan.

A life insurance policy represents a promise of financial protection. When an insurance company refuses to pay after a loved one’s death, families need attorneys who understand how to challenge that decision—and have the resources to see the fight through.

Together, Joseph Mattia and Michael Wentz have recovered more than $60 million in wrongfully denied or delayed life insurance benefits over their careers, with each attorney individually securing seven-figure recoveries. They now bring that experience to Morgan & Morgan, combining a focused life insurance practice with the resources of America’s largest injury law firm.

Joe and Mike have built their life insurance experience through years of consistently battling the biggest insurance companies in the country. In the summer of 2025, that experience earned them a court’s appointment to represent approximately 6,000 life insurance consumers in a certified class action—entrusting Joe and Mike to use their life insurance expertise to protect the rights of thousands.

Substantial Recoveries. Personal Stakes.

For a family waiting on a life insurance payment, the stakes are immediate. A mortgage must be paid. Lost income must be replaced. A surviving spouse’s financial security or a child’s education may depend on the promised benefits.

Joe and Mike have pursued those benefits in disputes involving policy lapses, alleged application misrepresentations, accidental death claims, and coverage provided through an employer (ERISA). Their recoveries reflect experience investigating insurers’ explanations, developing legal challenges, and obtaining benefits families were told they would never receive.

A denial letter can sound definitive. But determining whether an insurer’s position holds up requires examining the policy, the governing law, and what actually happened before the claim was denied.

Looking Beyond the Denial Letter

While denial letters are written matter-of-factly, insurers will fail to mention the information showing they potentially carry liability.

For instance, a family may have paid premiums for years before learning that the insurer considers the coverage invalid. An employee may have elected supplemental insurance and seen deductions on every paycheck, only for the insurer to say after death that coverage never took effect. A beneficiary may receive a partial payment without a clear explanation of why additional benefits were withheld.

These circumstances call for careful investigation. What coverage was requested? What did the insurance company communicate? What premiums did the company accept and retain? Were required notices sent? Do the policy terms and records support the reason given for withholding payment?

Joe Mattia and Mike Wentz examine these questions to identify the evidence and legal arguments supporting a challenge. Their experience encompasses the insurer’s handling of payments, notices, enrollment, and eligibility—and how those practices affect a beneficiary’s right to benefits.

Focused Life Insurance Experience, Backed by National Strength

Life insurance companies have substantial resources to defend their decisions. Challenging those decisions can require extensive document review, deposition testimony from company personnel, expert analysis, and sustained litigation.

At Morgan & Morgan, Joe Mattia and Mike Wentz pair their life insurance experience with the unparallelled resources and infrastructure of a national firm. That support helps them investigate complicated claims, develop the evidence, and litigate effectively.

For clients, this combination is invaluable: attorneys whose careers include more than $60 million in life insurance recoveries and court-appointed representation of thousands of policyholders, backed by a firm equipped to take on major insurers anywhere in the country.

Put Experience and Resources Behind Your Claim

If your life insurance claim has been denied, delayed, or only partially paid—or an insurer says coverage lapsed or never took effect—Morgan & Morgan’s life insurance team can review the circumstances and explain your options.

You do not need to know whether the problem rests with the insurer, an employer, or missing paperwork before seeking help.

Contact Morgan & Morgan for a free case evaluation and put Joe Mattia and Mike Wentz’s life insurance experience, backed by the firm’s national resources, to work for you and your family.

Disclaimer

The recovery figures describe the attorneys’ career results, including matters handled before joining Morgan & Morgan. Past results do not guarantee future outcomes. Each case depends on its individual facts and applicable law.