Dealing with a life insurance company after the death of a loved one can be a difficult experience. The insurer may attempt to deny the claim for one of several reasons. When this happens, you need an experienced attorney by your side. Your lawyer can assist you throughout the legal process to negotiate a resolution or initiate a lawsuit to enforce your rights.
At the Saxton Law Firm, a life insurance claim denial attorney is ready to help. Our Kansas City attorneys work hard to protect your rights and get you the compensation you deserve under your policy.
Why Was My Life Insurance Claim Denied?
If you are dealing with a claim denial, it may be for one of several common reasons, such as:
- Failure to Disclose Critical Medical Information: Life insurance applications require an in-depth medical exam and history. Failing to disclose information could be the basis for a claim denial.
- Missed Premium Payments: Missed payments often provide an excuse not to pay a life insurance claim. However, fixing these missed payments may solve the problem and result in payment of the claim.
- Term Life Insurance Policies: Term life insurance policies are limited and end on a certain date. If the insured dies after that date and never renewed the policy, the insurance company may deny coverage.
- Suicide or Homicide: If a person dies by suicide within a two-year window of getting the policy, the insurance company will likely deny coverage. The same is true if a beneficiary is responsible for the insured’s death. However, in these cases, an alternative beneficiary is usually entitled to the funds.
How a Kansas City Life Insurance Claim Denial Attorney Can Help
Dealing with a claim denial is frustrating and difficult. However, you do not have to do it alone. An experienced Kansas City life insurance claim denial attorney can help you by:
- Investigating the Claim Denial: Your attorney can determine why the insurance company denied the claim and investigate the facts behind it. An investigation often finds information helpful to rectifying the problem and getting you the compensation you deserve.
- Fixing the Problem: An insurance denial attorney knows several strategies to fix the issues raised by the insurance company. They understand how to review the life insurance policy and navigate the complicated process to fix the problem.
- File a Claim Denial Appeal: Many insurance companies have internal appeal processes to deal with claim denials. These are typically complicated legal processes that require careful consideration of all of the rules. A successful appeal may result in the full payment of the life insurance policy.
- Negotiation With the Life Insurance Company: A skilled attorney has years of negotiating experience under their belt. The right negotiator knows how to identify problems and synthesize solutions to them. Insurance companies are often more likely to negotiate with an attorney than a claimant to avoid potential litigation.
- Filing a Life Insurance Claim Denial Lawsuit: When necessary, an attorney can file appropriate litigation to enforce your rights under the life insurance contract. Litigation shows the company you are serious and may force the insurance company to pay the claim.
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After a loved one’s death, you are already dealing with so much. A claim denial on top of everything else can feel overwhelming. Our Kansas City life insurance claim denial attorneys are ready to help you get the justice you deserve.
At Saxton Law Firm, our Missouri insurance litigation lawyers are ready to help you with any life insurance issue. Contact Saxton Law Firm for a FREE case review!