Many insurance companies like to state that they are extremely helpful to their clients. After all, everyone is human, just wanting to be safe and sound. No one wants to really mess with each other, and everyone just wants to know that those that are closest to them will not have to go through complete darkness if things happen. As such, a life insurance company will try their best to help you out no matter what, right?
Well, unfortunately, that is not the world that we live in today. Insurance companies, such as John Hancock Life, are not so much looking out for the clients, as much as they are more looking out for their own wallets and paychecks. For many insurance companies, you are no more than a possible source of income for them, just there to help make sure they can pay their bills on time, while you risk your life putting it into their “safe” hands.
As such, many companies will attempt to sneak away your payouts that should rightfully go to the beneficiaries of the policies. When a claim is put in, many companies will attempt to state that the claim is denied on multiple different claims. These can range from the absolutely absurd, to the very detailed and convoluted clause details in the contract policy.
One such example is the usage of drugs and illegal substances. For many insurance policies, it is stated that cause of death must be accidental and without any sort of foul play. With the current day and age of legalization of some drugs, it can be extremely convoluted on what is considered foul play. But, many insurance companies tend to err on the side of what makes them more money. As such, even some things like prescription pills can even be used as a reason for denial if they find it within a toxicology report.
Another way that they can attempt to trap you as a policyholder or beneficiary is to state that the paperwork that was filed is incorrect, and that there was information that was not listed, thus being misinformation on the side of you. They can attempt to do this, and say that the denial is based on you lying to the company.
With so many different reasons for denials, it is important to try to find yourself a good and experienced life insurance policy lawyer or attorney. They can help to get you the approval that you deserve, no matter what the insurance company throws at you. They can also help to safeguard you against any loopholes that the insurance company may attempt to use against you, ensuring that you will always be on solid ground.
If your John Hancock Life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.