There are never good circumstances under which to lose a loved one. The pain of loss is often more than many can bear, but added financial stresses can make the situation even more burdensome. For this reason alone, many financially responsible individuals will seek to purchase life insurance policies in an attempt to protect their families and lessen the stress of ones passing. However, there are certain circumstances that can complicate matters when the life insurance policy does not pay out as planned. For many life insurance providers, certain exceptions to the contractual obligation to pay out allow the provider the opportunity to deny a claim. Such is the case with Garden State Life Insurance Company.
Garden State Life Insurance Company is a wholly owned subsidiary of American National Insurance Company. Garden State Life Insurance Company is headquartered in Texas and has been around since 1956. As a smaller insurance provider, Garden State Life Insurance Company may be able to offer a more personal approach than bigger competitors, but this does not mean they will not take advantage of an opportunity to deny a claim when given the chance. For example, Garden State Life Insurance Company, like a majority of insurance providers, will gladly deny a claim if there exists some evidence of a potential suicide or self-inflicted injury. If cause of death is unknown or somewhat fishy, a provider will often deny a claim preemptively. This will allow them time to sort through the facts and evidence in hopes that a more clear picture comes to fruition. As a denied claimant, you can often appeal the decision but many will simply cut their losses at the first sign of an obstacle. The insurance provider can simply deny a claim and see if the claimant is willing to call their bluff or not.
Having a claim denied by an insurance provider is a terrible situation to find yourself in. However, this situation is often made worse if the claimant is put through difficult times when the insurance provider often has no legal leg to stand on. Simply relying on resources (or lack thereof) or abusing the claims process is an easy solution for an insurance provider that may not want to pay out on a policy. While the whole system can be abused and leave a claimant in a tough spot, there are ways to fight back. The battle against an insurance provider can be made so much easier if the claimant seeks out experienced legal counsel. Be sure to contact an expert in this field to increase your odds of a successful claim.
If your Garden State Life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.