When a life insurance policyholder passes away, their beneficiaries may be entitled to payment. However, in some cases, insurers will wrongfully withhold benefits from policyholders’ relatives.
There are several potential explanations for a denied life insurance claim. For example, claims may be denied because of material misrepresentations, conflicts between beneficiaries, or non-payment of fees. Our attorneys can help victims dispute unjust denials and pursue financial compensation.
If your life insurance benefits were wrongfully withheld in Alpharetta, get help obtaining the payment you deserve. Reach out to our experienced Alpharetta attorneys for life insurance claim denials by calling Howe Law at (844) 876-4357. Our lawyers will provide a free case assessment.
Why are Life Insurance Claims Denied in Alpharetta?
There are several reasons an insurance company may deny a life insurance claim. Understanding why your claim was improperly denied is a crucial step towards recovering the compensation you deserve. The following are common reasons that life insurance claims are denied in Alpharetta:
Uncovered Cause of Death
A life insurance claim may be denied because an insurance company argues that the cause of death is not covered by the deceased person’s policy. Insurers will carefully word exclusions pertaining to causes of death. It may be difficult for claimants to know if a death is actually covered. If your life insurance claim was unjustly refused because of an allegedly uncovered cause of death, our Alpharetta attorneys for life insurance claim denials can offer guidance and support.
Nonpayment of Premiums
Some life insurance claims are denied because of nonpayment of premiums. When policyholder fail to keep up with fees, their policies can lapse, and coverage will cease to continue. Still, if fees begin to go unpaid, insurers must provide policyholders with adequate notice that their coverage will be terminated. If a policy was terminated due to nonpayment of premiums, our lawyers can determine if the insurance company at issue failed to provide proper notice that coverage would lapse. Furthermore, our team can find out if the policyholder made an error when submitting their payments.
Beneficiary Disputes
Beneficiary disputes are another reason that life insurance claims are denied in Alpharetta. Events like adoption, divorce, remarriage, and having kids are all potential life changes that can lead to disputes between beneficiaries of a life insurance plan. After a death, relatives who miss out on payment may file competing life insurance claims when trying to recover compensation. Our Alpharetta attorneys for life insurance claim denials can help fight improper refusals that stem from beneficiary disputes.
Material Misrepresentations
Life insurance claims are also denied because of material representations. Material misrepresentations refer to distortions or discrepancies found in a life insurance application that would have caused an insurer to refuse coverage if they were aware at the time of approval. The following are examples of items that may be misrepresented:
- Occupation
- Income
- Work history
- Age
- Assets
- Alcohol use
- Tobacco use
- Harmful hobbies or traits
- Enrollment in other life insurance plans
Some insurance companies will improperly argue that certain misrepresentations are material. In these cases, our Alpharetta attorneys for life insurance claim denials can help beneficiaries recover the compensation they should have been awarded.
Failure to Designate a Beneficiary
Additionally, some life insurance claims are refused because the policyholder failed to properly designate a beneficiary. Beneficiaries have to be named in order for receive benefits. Still, our lawyers can provide support if these types of denials are unjustified.
Documentation Failure
Documentation failure is another reason that life insurance claims can be denied. This type of denial applies to cases where beneficiaries do not provide the paperwork required to receive payment. For example, life insurance benefits may be denied if an insurance company does not receive a death certificate. Our Alpharetta attorneys for life insurance claim denials can help gather the documentation necessary to initiate the payment process in your case.
Death that Occurs During a Contestability Period
Lastly, life insurance claims may be denied because deaths occurred during periods of contestability. When someone is approved for a life insurance plan, their insurance company usually has a period of time to review their application and further examine their insurability and truthfulness.
If a death occurs during a policyholder’s contestability period, then the insurance company will investigate the death to determine if coverage should be approved or denied. Our lawyers can help fight unjust refusals of claims related to deaths that occur during periods of contestability.
What to Do if Your Life Insurance Claim Was Improperly Denied in Alpharetta
If your life insurance claim was unjustly denied, you should contact the insurance company right away and let them know about the issue. Afterwards, you should context the refusal according to the process outline by the insurer. If you still receive a denial or unfavorable outcome, you should reach out to our Alpharetta attorneys for life insurance claim denials. Our team can help fight for the benefits you deserve.
How to Pay for Our Alpharetta Attorneys for Life Insurance Claim Denials
After life insurance claims are denied, beneficiaries may wonder how they will pay for our lawyers’ assistance. Fortunately, our Alpharetta attorneys for life insurance claim denials can review cases for free. Also, our lawyers will work under a contingency fee pay structure so that our clients will only have to pay for attorney’s fees if their cases are successful. If we are unable to recover payment in your case, then you will not have to pay.
Challenging life insurance claims on your own can be a stressful and frustrating task. Insurance companies can utilize various strategies to avoid paying beneficiaries the compensation they deserve. The assistance of our lawyers can be highly beneficial when proving that your claim was improperly denied.
If Your Life Insurance Claim Was Wrongfully Denied in Alpharetta, Our Attorneys Can Help
If your life insurance benefits were improperly denied in Alpharetta, seek assistance from our experienced Alpharetta attorneys for life insurance claim denials by calling Howe Law at (844) 876-4357 to review your case for free.
