Different Life Insurance Claim Denial Cases: Legal Challenges and Outcomes
Life insurance claims are sometimes denied due to various technicalities, exclusions, or misunderstandings. However, beneficiaries can often win these cases with the right legal help. Below are some examples of life insurance claims that were denied but ultimately resolved in favor of the claimant after legal intervention:
1. Globe Life Insurance Claim Denied
Case Overview: An employee's husband’s life insurance claim was denied because the insurer argued that he was not working full-time when he died. The widow sued both the employer and the life insurance company.
Outcome: The case was resolved with the full $60,000 payout to the widow after legal action was taken.
2. Union Security Life Insurance Claim Denied
Case Overview: A retired man’s claim was denied because his employer failed to inform him of his right to convert his group policy to an individual one after retirement. He filed a lawsuit against both the employer and the insurer.
Outcome: The case was settled, and the claimant received a favorable resolution.
3. Brighthouse Financial Life Insurance Claim Denied
Case Overview: A woman’s husband was on sick leave when he died, and his claim was initially denied because he didn’t meet the eligibility requirements. She appealed the decision by providing medical records.
Outcome: The insurer reversed its decision after reviewing the medical records, and the woman received the full $300,000 benefit.
4. CNO Financial Life Insurance Claim Denied
Case Overview: A man’s claim was denied because he was terminated from his job and failed to port his group life insurance coverage to an individual policy. He sued both his employer and the insurance company.
Outcome: The case was resolved, resulting in a favorable settlement for the claimant.
5. Pacific Guardian Life Insurance Claim Denied
Case Overview: A man’s claim was denied after he died while allegedly engaging in a dangerous hobby that was excluded in his life insurance policy. He did not disclose this hobby on his application.
Outcome: The claimant sued the insurer, and despite the policy exclusion, the court ruled in favor of the claimant, and the case was won.
6. Talcott Life Insurance Claim Denied
Case Overview: A woman’s claim was denied because her husband’s medical history, which was not disclosed on his application, suggested a possible heart issue. He passed away from a heart attack shortly after applying for the policy.
Outcome: The insurer rescinded the policy and refunded the premiums. The case was later resolved in the claimant’s favor.
7. Oceanview Life Insurance Claim Denied
Case Overview: A man’s life insurance claim was denied due to a missed premium payment, which caused his policy to lapse. The insurer initially refused to pay.
Outcome: The claimant sued the insurer and won, securing the benefits he was entitled to.
8. American General Life Insurance Claim Denied
Case Overview: A woman’s life insurance claim was denied after her husband was shot by the police. The insurer cited the policy’s exclusion of death by illegal acts, refusing to pay the claim.
Outcome: The case was settled in favor of the claimant, who received the insurance benefits.
How Our Life Insurance Lawyers Can Help
If your life insurance claim has been denied, our experienced attorneys can provide expert legal representation to help you fight back. Here’s how we can assist:
Reviewing Denied Claims: We will carefully analyze the reasons for the denial, including exclusions, lapses in coverage, or misinterpretations of the policy terms.
Fighting for Your Rights: We are skilled at challenging claim denials, whether through appeals, litigation, or negotiation with the insurance company.
Maximizing Your Claim: Our goal is to secure the maximum payout you’re entitled to, whether through direct settlement, court action, or policy review.
FAQ Section
What should I do if my life insurance claim is denied?
Contact a life insurance attorney immediately to review the denial, challenge any errors, and explore your legal options.Can an insurer deny a claim due to a missed premium payment?
Yes, but if the insurer wrongfully denies the claim, our attorneys can help contest the decision and potentially restore coverage.Can exclusions in the policy lead to a denied claim?
Exclusions related to dangerous activities, pre-existing conditions, or certain causes of death may be grounds for denial. However, with legal representation, many exclusions can be challenged successfully.