If you were to see someone in trouble, such as stuck inside of a car, or burning building, what would be your first instinct? If you had the power to protect them, and attempt to save them, would you?
Many people would say yes, if they had the power, that they would be willing to try to step between the one in trouble in the impending threat of death. However, that can be a fatal mistake when attempting to discuss such procedures with a life insurance claim on the line. Even if the meaning is well, there are many ways an insurance company can attempt to twist it into a negative light.
Many different insurance companies tend to cover specific incidents and situations. For instance, an AD&D life insurance policy will help to cover all accidental deaths that are deemed so by an autopsy or police report. But, this can also cause many issues, since even a complete report may not be enough for them to confirm the reason for a death.
Since each death, whether natural or accidental, is a bit different each time, many companies will attempt to dispute it to get out of paying the claims out. Just as any company attempts to mainly look for profit, not having to pay out a beneficiary works in their favor. As such, any small exploit that can be used, will be used.
This is even true when attempting to to help others. If the insured were to accidently die while attempting to save someone from, say, a burning building, or from leaping to their own death, it would almost always be ruled an accident. But, many companies will attempt to distort this, and state that the insured was attempting to end their life on their own will, effectively spacing the death outside of their policy standards.
Because of this problem, there are different ways to get around this problem with insurance companies. The first possibility is to attempt to keep steady records of all the activities performed by the insured as the life insurance policy is in effect. This is not the most efficient way to go about things, but it does help to build up a steady record that the insured is not intentionally attempting to end one’s own life. If that helps to be proven, then it is a necessary step to be taken.
Another primary way to battle against the denial of the claim is to contact an experienced life insurance attorney. Having an attorney specialized in these cases helps to clear up any doubts and details that may be used against you, the client. Making sure each detail is correct, and not letting the other party bully you out of the benefits bestowed upon you by the recently deceased, is the main job of a life insurance attorney. They will help to clear up the cause of death, and make sure that the insurance company knows that they cannot force you out of your dues.
If you have a delayed or denied life insurance claim, our life insurance attorneys will recover the full amount of the policy.