As a consumer, attempting to find the best insurance company to use for a life insurance policy can be tricky. Some may not have the proper coverage that you want, and some may have too strong of a stipulation, resulting in you getting dropped from the policy due to high premiums or other such contractual problems. Because of this, you need to carefully consider each and every option available to you as a would be policyholder.
Kansas City Life is known as one of the best out there. Working as a medium between the possible buyers and other life insurance agents, they help to connect you with the right agents, as well as find what best suits you in the long run. They are able to help filter and weed out possible insurance companies that may be attempting to scam you out of your hard earned cash, and may be offering too little for the asking price.
Unfortunately, Kansas City Life is not without their own faults. Due to the fact that they are only mediums and not a singular business, they may end up giving you awkward pricing, as each agency that they work with has a different rate. What you hear from one person may not be the same as another. Also, different policies from each agency may have slight variables, no matter what Kansas City Life tells you. As such, it is highly possible that they may be very scrutinizing when dealing with such things as denials.
This is because denials can come in many forms. Things such as alcohol intake or drug intake can come into question when dealing with the cause of death. Also, it can be highly speculated by insurance companies that only want you for your money to try to get you to sign a contract as soon as possible, and yet fully attempt to deny the claim your beneficiary puts forth when it comes time to payout. For instance, if the death was within two years of the activation of the policy, the insurance company will take an extensive delay or outright denial of the claim to attempt to figure out if the death was planned or not, using anything and everything to deny it.
Because of this, when you receive a denial, be sure to reach out and find a respected and experienced life insurance attorney to help you battle the insurance company. Find an independent one, that way you know there are no ties that may make them biased, and that they will work to protect and shield you against any possible threats.
If your Kansas City Life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.