A Life Insurance Denial Lawyer Can Help You Appeal Your Claim

A Life Insurance Denial Lawyer Can Help You Appeal Your Claim

Life Insurance Denial Lawyer


The death of a spouse is one of the most difficult experiences any of us will ever have to endure. Although the death of any family member can be very painful, the death of your spouse is like no other: it affects every single aspect of your life. You will feel your spouse’s absence in everyday living; perhaps you did the dishes together every night, but now you have to do them alone. Your house is quiet and lonely. The person who knows you best is no longer there to support you. You’ll also miss them keenly on days that are meant to be happy milestones, such as your children’s graduations and weddings. In addition, your social life is affected, and your financial situation may be in question.


During this sad and distressing time, the surviving spouse is required to deal with a lot of details. You may have to plan the funeral or memorial service, to have the will probated, and names changed on legal documents. And one of the tasks you may be expected to do is to make a claim for your spouse’s life insurance. Many of us assume that this is a simple transaction: your spouse had life insurance, your spouse passed away, the insurance company must pay out the policy. But, unfortunately, this is not the case. In fact, many life insurance claims are denied. If this has happened to you, it must seem like one more terrible event in an already terrible period of your life.

Reasons the Claim May Have Been Denied


Some of the reasons why a life insurance claim could be rejected by the insurance company include:

  • Lies on your spouse’s application. Sometimes people don’t disclose the whole truth on the application. Non-smokers usually pay much less than smokers for life insurance, for example. If the insurance company discovers that your spouse checked the "non-smoker” box but in fact they werea long-time smoker, the claim may be denied. Other common "white lies” include providing false information about driving history, dangerous hobbies, drug or alcohol use, or depression.
  • Expired policy. Missing a payment may mean that the policy expired. The insurance company records may differ from your own banking records, so be sure to explore this further.
  • Wrong documentation. Two common problems are an improperly completed beneficiary form on file, or an improperly verified death certificate submitted by the spouse.
  • Suicide. If the circumstances of your spouse’s death could be interpreted as suicide, the claim may be denied, depending on the terms of the policy.

But…help may be available, in the form of a life insurance denial lawyer.

Appealing the Decision


Although many claims are denied, these decisions are often reversed during the appeals process. Talk to a lawyer who has experience with life insurance denial -- many times these lawyers work at personal injury law firms. They understand the insurance business and the claims process. They know how to complete the (very exacting) paperwork and can help you fight back against the initial decision. And they can also be a great support for you during this confusing, difficult time.


If your spouse has passed away, dealing with an insurance claim denial is the last thing you want to deal with. Call a personal injury law firm today and enquire about talking to a life insurance denial lawyer. Get the help you need to reverse an unfavourable decision.