When a loved one passes away, the last thing a family needs is an insurance company refusing to pay the policy they promised. Unfortunately, this happens all too often. Whether the denial is due to alleged misrepresentations, missed payments, or vague exclusions, beneficiaries are frequently left without the financial support they were counting on. That’s where we come in.
Our law firm focuses exclusively on life insurance claim denials. We’ve successfully recovered benefits in cases involving private policies, employer-provided coverage, FEGLI, SGLI, and accidental death benefits. We handle all litigation ourselves—no referral out. And we only get paid if we win your case. If you have Maryland life insurance claim issues call us.
Difficulty in Submitting Life Insurance Claim: Real Client Story
When Ryan reached out to us, he wasn’t just grieving the unexpected loss of his partner—he was also struggling to navigate the confusing life insurance claims process. The insurer had made it nearly impossible to understand what documents were required, and after weeks of silence, they finally responded with a denial. Their justification? A premium payment had allegedly been missed two months before the death, and they claimed the policy had lapsed.
But we knew something didn’t add up. Ryan had followed the instructions as best he could, but the insurer had continued sending billing notices even after claiming the policy had ended. Worse, they never issued the legally required lapse notice. The company had created unnecessary hurdles to submitting the claim—and then used a technicality to avoid paying it.
Once we stepped in, we sent a formal demand letter accusing the company of a bad faith denial, citing both their procedural failures and their misleading communication.
Just two weeks later, the insurer reversed course. Ryan received the full $350,000 death benefit, plus interest. As part of a confidential settlement, he agreed not to file suit for bad faith. It was a complete win—and one that spared him from a lengthy court battle.
Why Life Insurance Claims Are So Hard to File
Ryan’s story is more common than you might think. Life insurance companies frequently:
Make claim instructions overly complicated to delay payouts
Create confusion about required forms or documentation
Use outdated addresses or vague letters to avoid providing proper notice
Deny valid claims based on fine print or minor administrative issues
If you're having trouble submitting a claim or get denied after following all the steps, don’t assume it’s your fault. Insurers often rely on these barriers to wear you down. You may have legal grounds to challenge the decision—and win.
Call Us for a Free Consultation
Our firm is here to help. We’ve overturned countless wrongful denials, and we don’t charge you unless we win your case. If you or a loved one received a denial that seems unfair or unclear, contact us for a free case evaluation.
Let us fight for the benefit your loved one intended for you.