Lawyer For Delayed or Denied Life Insurance Claim

We will recover the full amount of your policy in 29 days, or we won't deduct a fee. We assist clients with legal matters involving both delayed and denied claims, and if there is no recovery, there is no fee. Our primary aim is to protect the rights of our clients, who may be policyholders or beneficiaries. We have successfully recovered money for our clients in 100% of cases, and we are fully prepared to litigate the case in the unlikely event that we don't get you your money within a couple weeks.

We know these companies make money by collecting premiums, not by paying out on policies. We also know that some companies will participate in illegitimate practices to deny or delay payment to policyholders and beneficiaries. In fact, these companies employ large teams of legal professionals to ensure that people do not receive payment, or that people accept minimal settlements. Our firm will recover the full amount of the policy. Make sure the life insurance lawyer you retain has a minimum of 15 years experience. Many young lawyers are trying to handle these extremely complicated cases themselves, and are doing more harm than good. Their clients are coming to us after they get denied.

When a family member passes away, life insurance benefits can provide beneficiaries with the monetary needs they require. However, in many cases, life insurance companies deny coverage for various reasons adding to the tragedy and grief of the family. When a person pays premiums to a life insurance company, he or she relies that the carrier will diligently pay the money upon the death. However, this rarely happens. Our life insurance lawyers have vast experience representing beneficiaries against major national life insurance companies by litigating in state and federal court and obtaining successful results for our clients.

What are the reasons for a life insurance claim denial?

  • Missed payments
  • Lapse
  • Missing information on application
  • Policy exclusion
  • Failing to reinstate
  • Failing to disclose medical visit
  • Failing to convert to individual policy
  • Failing to port life insurance coverage
  • Wrong age on application
  • Inaccurate income listed
  • Inaccurate weight listed
  • Competing beneficiaries
  • Criminal history discovered
  • Change in person's job
  • Fired from person's job
  • Employer didn't forward records
  • Suicide exclusion
  • Self-inflicted injury exclusion
  • Illegal drug exclusion
  • Prescription drug exclusion
  • Use of alcohol exclusion
  • Sickness exclusion
  • Felony exclusion
  • Medical treatment
  • Foreign country fatality

Do you need a life insurance lawyer?

Has your life insurance claim been denied? Do you have to deal with an unusually lengthy review of your claim? Has your life insurance lapsed due to late payment of the premium? Our skilled attorneys fight hard for our clients' interests to make sure they get the benefits to which you are entitled as fast as possible.

If you need help in collecting life insurance benefits,we have the experience to help you win in the battle against large insurance companies. Please contact us for a free legal review of your claim.

Claims Paid in 2015 (most with interest):

  • Stonebridge Life: 3 Policies Denied $735,539.12
  • Jackson National: Prescription Drug Exclusion $26,250.00
  • AXA Equitable: Dispute Beneficiaries $177,429.00
  • Banner: Interpleader Case $150,000.00
  • MetLife Accidental Death Issue $505,649.00
  • Protective: Alcohol Exclusion $51,258,43
  • FEGLI benefits: denial $50,000.00
  • Jackson National: Late Payment $31,430.00
  • State Farm: Misrepresentation Age $252,389.34
  • Northwestern Mutual: AD&D Denial $316,499.46
  • VGLI: Beneficiary Dispute $400,000.00
  • Reliance Standard: Drug Exclusion $82,742.00
  • Lincoln Financial: Inaccurate Info $31,083.00
  • GTL: Commission of Crime $45,359.18
  • State Farm: Divorce $102,846.41
  • MetLife: Payment Refused $509,031.34
  • J.C. Penny (Stonebridge) 8-Month Delay $257,413.52
  • AFLAC: AD&D policy denied $506,818.39
  • Unum: Multiple Reasons $305,268.21
  • North American: Policy Exclusion $80,452.50
  • Symetra: 4 denied polices $1,327,651.49
  • American General: 7-Month Delay $528773.00
  • New York Life: AD&D Claim Denied $507,489.00
  • Ohio National: Missed Payment $51,250.00
  • Mutual of Omaha: Denied AD&D $509,250.00
  • Genworth: Car Accident Drugs $256,132.68
  • State Farm: Misrepresentation Alleged $35,245.91
  • HSBC: Laundry List of Reasons $508,174.24
  • ACNewman & Co: Felony Exclusion $273,882.00
  • American Family: Payment Refused $1,026,183.00
  • StanCorp Financial: Policy Changed $105,263.12
  • Conseco: Claimed Needed More Docs $201,982.77
  • State Farm Life: Beneficiary Fight $125,000.00
  • Prudential SGLI: Denied Claim $350,000.00
  • Connecticut Mutual Life (Mass Mutual Now) $538,466.79
  • Hartford: 3-Policies Disputed $622,321,83
  • Amica: Beneficiary Dispute $50,000.00
  • Guarantee Trust Life: Inaccurate Info $23,946.00
  • Unum: Dangerous Activity Nonpayment $278,742.55
  • WellPoint: Suicide, Wouldn't Pay $303,406.00
  • Torchmark: Delayed Policy $405,649.08
  • The Hartford: Mistake on Application $1,012,160.00
  • Gerber Life: Slip Fall Prescription Drugs $48,339.22
  • Farmers: Refusal of Payment $204,000.00
  • Sun National: Fatal Accident $241,937.62
  • AIG: Autoerotic Asphyxiation Nonpayment $452,037.00
  • Mass Mutual: Denied Policy $106,637.00
  • Indiana Farm Bureau: Suicide $315,750.00
  • State Farm: Bad Faith Denial of Policy $120,000.00
  • SGLI: Would Not Honor Contract $400,000.00
  • Gerber: Payment Refused $628,220.00
  • Pacific Life: Date of Birth Wrong $319,628.44
  • Farmers: Bad Faith Refusal $451,369.00
  • John Hancock: Accidental Death $322,853.00
  • Globe: Rock Climbing Exclusion $206,000.00
  • SGLI: Beneficiary Dispute $300,000.00
  • ING: 2 Year Contestability Period $505,750.00
  • Farmers: Mistake on Application $100,000.00
  • AARP: Exclusion Allegation $36,298.32
  • Liberty Mutual: Claim of Fraud $312,837,92
  • UnumProvident: Divorce Decree $303,551.98
  • Massachusetts Mutual: Sickness $544,750.00
  • Hartford Life: Age Incorrect $51,332.00
  • Frankenmuth: Multiple Reasons $103,427.89
  • AAA: No explanation Given $30,220.00
  • Thrivent Financial: Error on App $41,729.00
  • Nationwide: Payment Refused $212,962.00
  • American General (AIG): Bad Faith $203,879.00
  • VGLI: Denial to Beneficiary $350,000.00
  • Midland National: Heart Failure $258,192.56
  • John Hancock: Denial of Appeal $307,500.00
  • Mutual of Omaha: Fraud Allegation $175,000.00
  • West Coast: Refusal to Beneficiary $101,990.00
  • Chase: Prescription Drug Refusal $407,040.00
  • TSGLI: Denial of Benefits $100,000.00
  • Principal Financial: Fraud Alleged $250,000.00
  • Minnesota Life: 3-Month-Delay $55,128.38
  • AFLAC: Would Not Honor Policy $308,500.00
  • New York Life: 4-Denied Claims $729,243.00
  • Empire General: Denial of Appeal $125,000.00
  • US Financial: Self-inflicted Injury $320,750.00
  • RBC: Omission on Application $203,822.00
  • Metropolitan Life: Accidental Death $302,469.00
  • Lincoln Benefit: Denied Policy $101,050.00
  • VGLI: Ineligibility Cited $375,000.00
  • Security: Mistake on Application $103,160.00
  • Companion: Company Wouldn't Pay $300,000.00
  • New York Life: 6-Month Delay $259,148.63
  • Unum: Alcohol Refusal to Pay $500,000.00
  • American Income: Fraud Alleged $250,000.00
  • Mass Mutual: Bad Faith Refusal to Pay $613,500.00
  • Cigna: Policy Exclusion Cited $208,750.00
  • Northwestern Mutual: Denial of Contract $102,000.00
  • Colonial: Misrepresentation Alleged $250,000.00
  • Aviva Life: Contract Exclusion $101,253.74
  • ING: Payment Refused on Contract $504,000.00
  • Globe: Beneficiary Refusal $302,110.00
  • Amalgamated Life: No reason $104,749.00
  • EMC: Payment Refused on Policy $500,000.00
  • Monumental Life: Death Weeks After Fall $56,448.00
  • Mid-West: Denial to Beneficiary $100,500.00
  • VGLI: Problem with Application $275,000.00
  • ING: Two Exclusions Claimed $258,672.51
  • Greater Georgia Life: Lapse $320,620.00
  • Country: Misrepresentation Alleged $50,000.00
  • American Income Life: Bad Faith $307,500.00
  • Monumental: Delayed Policy $200,000.00
  • Farm: Allegation of Fraud $300,000.00
  • TSGLI: Loss Not Result of Injury $100,000.00
  • ING: Alcohol, Payment Refused $100,000.00
  • Allstate: Delay to Beneficiary $500,000.00
  • Boston: Beneficiary Refusal $100,000.00
  • William Penn: Delayed Policy $250,000.00
  • Lincoln National: 9-Month-Delay $79,339.12
  • Equitable: Refusal to Pay $200,000.00
  • AIG: Preexisting Condition Denial $100,000.00
  • Northwestern Mutual: Accidental Death $253,000.00
  • Allstate: Alleged Misrepresentation $75,000.00
  • Standard: Aviation Exclusion $100,000.00
  • Globe: Bogus Reason $30,250.00
  • Nationwide: Fraud Allegation $300,000.00
  • Transamerica: Misrepresentation $302,750.00
  • Allstate: Refusal to Honor Policy $100,000.00
  • SGLI: Disputed Beneficiaries $200,000.00
  • Family: Alleged Misrepresentation $350,000.00
  • Mutual of America: Fraud Allegation $220,000.00
  • Erie Insurance: Said that it lapsed $100,500.00
  • American Amicable: Exclusion $302,500.00
  • Foresters: Gunshot wound $211,429.13
  • AETNA: Refusal to Pay Beneficiary $100,000.00
  • Guardian: Motorcycle Racing Refusal $600,000.00
  • Monumental: Misrepresentation Alleged $50,000.00
  • Liberty National: Beneficiary Dispute $150,000.00
  • Assurity: Bad Faith Denial of Money $275,000.00
  • American Fidelity: Lapsed Supposedly $61,435.00
  • Colonial Life: Prescription Drugs $306,283.00
  • Pyramid: Self-Inflicted Injury Nonpayment $300,000.00
  • Bankers Life: Heart disease not stated $255,387.00
  • Metropolitan: Refused to Pay Beneficiary $300,000.00
  • Prudential: Interpleader Beneficiaries $226,812,91
  • Lincoln Heritage Life: Cancer not disclosed $105,284.00
  • Foremost Insurance: Self-inflicted injury $306,428.00
  • Standard: Denied Life Insurance Claim $125,000.00
  • Citizen's Life: Not a good reason $103,846.33
  • Mass Mutual: Alleged Misrepresentation $100,000.00
  • United of Omaha: Kidney Disease $204,500.00
  • Great American: Accidental Death $303,295.32
  • Western Reserve: Application Mistake $30,000.00
  • CUNA: BAC level stated high $253,113.87
  • Primerica Life: Denied Insurance Claim $108,758.00
  • Lincoln National: Slip and Fall $500,000.00
  • Hartford: Misrepresentation Alleged $100,000.00

You can learn about delayed life insurance claims next.