A material misrepresentation is the purposeful or unintentional concealment of a relevant fact. When applied to life insurance cases, a material misrepresentation is a non-disclosure of health information on a life insurance application. State laws allow insurance companies to rescind (cancel) a life insurance policy that was issued less than 2 years before the insured's death if there was a material misrepresentation on the application. Many insurance companies, however, use such laws as an excuse to deny valid claims. For example, if an applicant did not disclose a minor ailment or a regular medical check-up on the application, such non-disclosure is not automatically material and the insurance company would need to show that it would not have issued coverage had it known the non-disclosed fact. If the misrepresentation is not material, the insurer is liable under the policy. It is very rare that people applying for life insurance are in perfect health and have not had regular medical check-ups in years.
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If you feel that your life insurance claim was unjustly denied, you are not without recourse. While it is sometimes possible to negotiate a settlement on your own with the insurance company, this may lead to a much lower payout than you deserve, if you get anything at all. The details of settling a life insurance claim can overwhelm anyone, particularly someone who is grieving a loss of a family member. When your life insurance claim is delayed by the insurance company, you need to contact an experienced team of life insurance attorneys who will protect your rights, bolster your case, and even the odds against the insurance company's lawyers. Our life insurance lawyers can be a valuable asset in helping you fight a big insurance company.
Our life insurance attorneys can sort through complicated procedures, and how to prepare the case to fight your denied life insurance claim. Our life insurance attorneys know how to read your contract, how to keep the pressure on the life insurance company, and when and how to pursue the proper legal action.
We understand how insurance companies operate. Our life insurance lawyers and staff have extensive experience dealing with insurance companies. We know the tactics they use and how to get results for our clients - whether through settlement or litigation. We will initially conduct a review of the basic facts and circumstances of your claim. If your matter appears to meet our profile we will tell you and may ask for additional information. You will speak with a highly qualified life insurance attorney who will carefully evaluate the details and legal alternatives, with no cost and no obligations on your part.
We handle nearly every case on a contingency fee basis. This means there is no obligation to you unless we win your case. There is no pre-payment of the expense we incur to investigate your claim or prosecute your case. Our legal fees are paid exclusively from the funds we help you recover. Having an experienced team of life insurance attorneys on your side will enable you to protect your rights, bolster your case, and even the odds against the insurance company's lawyers. Do not wait until the insurance company denies your claim, call our life insurance attorneys now for help.