Meet Our Denied Life Insurance Claim Attorneys

Life insurance companies may deny claims for several reasons, including alleged misrepresentations on the application, undisclosed medical information, policy exclusions, missed premium payments, administrative issues, or disputes involving beneficiaries.

Whether the insurer's reason actually supports the denial depends on the policy language, the facts surrounding the claim, and applicable law.

Potentially. A denial letter represents the insurance company's position, but it does not necessarily mean you have no further options.

Depending on the circumstances, you may be able to challenge the insurer's interpretation of the policy, provide additional evidence, negotiate for payment, or pursue legal action.

Keep the denial letter, insurance policy, application, premium records, correspondence with the insurer, and any documents you submitted with the claim.

Because deadlines may apply, consider having the denial reviewed as soon as possible. An attorney can examine the insurer's stated reasoning and determine what options may be available.

An allegation of misrepresentation does not automatically mean the insurer was justified in denying the claim.

These disputes can involve what information was provided, whether an answer was actually inaccurate, the significance of the information, and the requirements of applicable law. The circumstances should be reviewed carefully before assuming the denial is valid.

An insurer may deny benefits if it believes the policy was no longer in force when the insured person died. However, disputes can arise over premium payments, notices, timing, reinstatement provisions, and whether the policy actually terminated.

Reviewing the payment history and policy terms can help determine whether the lapse was valid.

Insurance policies may contain exclusions that limit coverage under particular circumstances. Whether an exclusion applies depends on its wording and the facts surrounding the death.

If an insurer relied on an exclusion to deny benefits, an attorney can review the policy and determine whether the company's interpretation may be challenged.

Deadlines vary depending on the type of policy, applicable state law, the terms of the insurance contract, and the circumstances of the claim.

Because waiting can affect your options, it is generally best to have a denial reviewed promptly.

There is no single timeline. Some disputes may be resolved after additional documentation or negotiations with the insurer, while more complicated cases may require litigation and take substantially longer.

The circumstances of the denial, the amount of investigation required, and the insurer's willingness to resolve the dispute can all affect the timeline.

Potentially. Beneficiary disputes can arise when multiple people claim the same benefits, beneficiary designations have changed, or questions arise about who is legally entitled to receive the policy proceeds.

Our attorneys can review the policy and circumstances to determine what legal options may be available.

Morgan & Morgan offers free case evaluations. We work on a contingency-fee basis, so if we take your case, you do not pay upfront attorney's fees, and we are paid only if we successfully recover compensation for you. That’s The Fee Is Free® promise.