Delayed or Denied Life Insurance Claims

There is an old saying that only two things are certain in life – death and taxes. While we laugh at that saying and commercials for life insurance by Big Lou, we buy life insurance to protect our family from the financial uncertainty and ruin that death can bring. 

People want their families to stay in their homes, pay their bills, and send their children to college after they pass. It’s as simple as that.

Death is emotionally difficult and can be made worse by financial problems and the hassle of dealing with a life insurance company that delays or denies paying benefits. No one needs that – but it happens every day.

Has Your Life Insurance Claim Been Delayed or Denied? We Are Here to Help

You need help now. You need to speed up the claims process, appeal a wrongful denial of benefits, or even file a lawsuit in state or federal court. We offer a free consultation to answer your questions and help you get the life insurance and AD&D benefits you and your family deserve.

We handle claim denials based on the following coverage defenses:

• The policyholder failed to pay premiums.
• The employer failed to remit the premiums or made a mistake in offering coverage.
• The policy lapsed.
• The policyholder failed to reinstate the policy.
• The policyholder made misrepresentations on the life insurance policy application.
• The policyholder didn’t provide complete information on the life insurance policy application.
• The policyholder didn’t provide the insurability form.
• The policyholder was terminated and didn’t have coverage.
• The policyholder’s employment status changed so there was no coverage.
• The beneficiary didn’t file a claim timely.

We also handle denied claims based on the carrier claiming that:

• The insured’s death was due to sickness.
• The insured’s death was not accidental.
• The insured’s death was accidental but contributed to by a sickness.
• The insured’s death was the result of intoxication.
• The insured’s death was the result of taking prescription drugs that were not prescribed by a doctor.
• The insured’s death was the result of taking illegal drugs.
• The insured’s death was the result of autoerotic asphyxiation.
• The insured’s death was the result of an assault or murder.
• The insured’s death was the result of violating the law or participating in a misdemeanor or felony at the time of death.

Sound familiar? Heard it from the life insurance carrier? Now it’s time to get answers. Was the carrier right or wrong? How do you get them to pay benefits quickly? How do you appeal? Is it time to sue them?

Every case is fact-specific and policy-specific. There are no cookie-cutter answers, which is why it is crucial that you consult with an experienced life insurance benefits attorney now. Don’t let delay destroy your claim for life insurance and AD&D benefits.

No Legal Fees Unless We Win Your Delayed or Denied Life Insurance Case

Our fee is simple. Nancy Cavey and her team work on a contingency fee basis, which means we don’t get paid unless we collect the life insurance benefits that are delayed or denied as a result of a settlement or trial.

We charge a fee that we all agree on when we are hired to represent you, the beneficiary, or the estate of the policyholder. The fee is flexible and based on whether the claim is delayed or denied and how medically or legally complex the case might be.

We guarantee you will be comfortable with the fee.

Don’t let the life insurance company rob you and your family of your peace of mind and financial security. Your loved one didn’t pay years of premiums so the life insurance carrier could profit from a wrongful claim denial.

Call today for a complimentary consultation at 727-894-3188.