No matter what your profession is, no matter how experienced you are in the world, it is important to always be covered in cases of accidents and unfortunate events. Things such as natural disasters or vehicular accidents cannot be planned for, and, as such, we must all be prepared for the worst case scenario. This includes finding proper life insurance to help cover you, as well as create a safety net for those that you provide for and protect along the way.
Physicians Mutual is specifically geared towards those that are looking for long-term coverage. When thinking of later stages of retirement, they are willing to work with you and focus on creating a plan that can evolve and provide for you as the years go by. This can be things from simple Medicare, to life coverage, and even pre-funeral planning. They also help to cover such things like accidental deaths, and other such occurrences.
Unfortunately, with how much they cover, there are also a number of problems that can occur. This can specifically occur when attempting to get a package deal on all of the different types of insurance. When covering for multiple different areas, it can come into occurence that one type of exclusion can affect the others. For instance, if there is an exclusion linked to your dental insurance, you can end up possibly getting denied for your life insurance claim later on down the road. This is an extremely rare occurrence, but it has happened before due to all of the insurance policies packaged into one contract.
Other forms of exclusion are accidental deaths that may be called non-accidental. These are mostly in cases of alcohol abuse, or substance abuse. Since many insurance companies will look at these situations and state, “this is not accidental since they were under the influence.” they will attempt to deny the case and be done with it, leaving you, the beneficiary, without any help or payment for the many years put into it.
Thankfully, there are options in getting denials overturned. The best way to go about this is to contact an independent life insurance attorney. Make sure they are independent, as this will make sure they have no reason to help the insurance company keep the denial in place. An experienced attorney will be able to help compile your case, as well as solidify it and get rid of any loopholes that the insurance company may attempt to use to knock the floor out from under you. Many insurance attorneys understand that you are not trying to swindle anyone, but you just want your payments, and to move on, and they can help with that.
If your Physicians Mutual Life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.