What to do if life insurance benefits are denied. Skip to content

Denied Life Insurance Benefits

  1. Home
  2. Denied Life Insurance Benefits

Denied Life Insurance Benefits

denied life insuranceBy Attorney Mark Wolfe

[A portion of this article was auto-generated by Chat GTP] If you were denied life insurance benefits, the first thing you should do is find out why. You should receive a letter from the insurance company explaining the reason for the denial. If not, request a written explanation. This should be done in writing and should always include the policy number, the decedent’s name and  his or her date of birth and date of death. Common reasons for denial include inaccurate or incomplete application information, a pre-existing medical condition, or risky behavior such as smoking or extreme sports.

Once you understand the reason for the denial, you can take action to try and appeal the decision. Here are some steps you can take:

  1. Review your policy: Read the policy carefully and make sure you understand the terms and conditions. Make sure the insurance company followed the proper procedures and complied with the terms of the policy.
  2. Contact the insurance company: Call the insurance company and ask for a detailed explanation of why your claim was denied. You may also want to ask for a copy of your policy and any other relevant documents.
  3. Once you know the insurance company’s reason for denying the benefits, consult with an experienced life insurance benefit attorney as soon as possible. Most experienced life insurance benefit attorneys provide free consultations. An attorney with experience handling life insurance benefit claims  can review and analyze the basis for denial and determine if you have a viable claim for benefits. This may include an appeal of the denial with the insurance company or a lawsuit against the company. IMPORTANT NOTE: Some life insurance policies have very strict time limits for an appeal and require an appeal be submitted before a lawsuit can be filed. The appeal process may have very technical legal compliance requirements.  Failure to comply with these requirements may prohibit further legal action.

If you have been denied life insurance benefits and would like a free legal consultation with an experienced life insurance attorney, contact Mark Wolfe today at 251 410-7761 or text him at 251 533-9548. Consultations are free and our lawyers are licensed to practice in Alabama, Mississippi, Florida and Georgia. Mark has also worked with associated attorneys on life insurance claims in many States.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.