Resolution Life is a global insurance group that acquires and manages in‑force life insurance blocks from major carriers. Many families discover only after a loved one passes away that their policy has been transferred to Resolution Life. This often leads to confusion, delays, and denials because the policy may be decades old, poorly documented, or missing critical records from the original insurer.
This Resolution Life Insurance Denial Center explains why claims are denied, how beneficiary disputes arise, and what steps families should take to protect their rights.
Why Resolution Life Denies Life Insurance Claims
Resolution Life frequently denies or delays claims for reasons tied to legacy underwriting files, outdated policy records, and incomplete documentation inherited from prior insurers. The most common issues include:
1. Alleged lapse due to missing or unclear premium history
Resolution Life often denies claims by stating the policy was not active at the time of death. Many of these policies were issued decades ago, and lapse notices may not meet modern standards. These denials are often challengeable.
2. Missing or incomplete records from the original insurer
Resolution Life inherits policies from carriers such as Voya, Lincoln, AIG, John Hancock, and others. Underwriting files, beneficiary forms, and ownership documents may be incomplete or missing entirely.
3. Contestability investigations
If the insured died within the contestability period or if the policy was recently reinstated, Resolution Life may request medical records and pharmacy histories. They often deny claims by alleging the insured failed to disclose a condition, even when the omission was minor or unrelated to the cause of death.
4. Beneficiary forms that are outdated or contradictory
Many Resolution Life policies were issued long before digital recordkeeping. Beneficiary forms may be handwritten, incomplete, or inconsistent with later documents.
5. Ownership disputes involving trusts, business entities, or estate plans
Resolution Life frequently delays claims while verifying ownership, especially when the policy was transferred to a trust or business partner.
How Beneficiary Disputes Arise With Resolution Life
Resolution Life policies often trigger disputes because they involve older policy blocks with outdated forms and complex ownership structures. The most common dispute scenarios include:
1. Former spouses versus current partners
If the insured never updated the beneficiary after a divorce, Resolution Life may receive competing claims.
2. Children from different households
When multiple children claim the benefit, Resolution Life may require legal documentation before releasing funds.
3. Trusts and estate representatives
Resolution Life often requires proof of authority when a trust or estate is listed as beneficiary.
4. Conflicts between legacy insurer records and updated documents
Resolution Life may rely on older forms from the original insurer, even when newer documents exist.
5. Late‑in‑life beneficiary changes
Changes made shortly before death often lead to challenges based on capacity or undue influence.
What To Do When Resolution Life Delays or Denies a Claim
1. Request the complete claim file
This includes all legacy documents from the original insurer, internal notes, and correspondence. It is essential for understanding the real reason for the denial or delay.
2. Review the lapse and premium history
Many denials are based on incomplete or inaccurate records inherited from prior insurers.
3. Examine all beneficiary forms on file
Resolution Life often relies on outdated or incomplete documents that can be challenged.
4. Preserve all communications with Resolution Life
Emails, letters, and call logs can become critical evidence in a dispute.
5. Consult an attorney who handles Resolution Life denials
Resolution Life is a sophisticated runoff insurer with strict internal protocols. Families should not navigate these disputes alone.
Why Resolution Life Claims Require Strategic Handling
Resolution Life has a reputation for detailed claim reviews and strict adherence to legacy policy language. This creates unique challenges:
Records may be incomplete or missing
Beneficiary forms may be decades old
Ownership structures may be complex
Claims examiners rely heavily on inherited underwriting files
Families should expect a thorough review process that may take longer than anticipated.
When You Should Seek Legal Help Immediately
You should contact an attorney right away if:
Resolution Life has denied your claim
Resolution Life is asking for documents you cannot obtain
Multiple people are claiming the benefit
The insured changed beneficiaries shortly before death
Resolution Life claims the policy lapsed
Resolution Life is relying on outdated or missing records
These situations often escalate into full disputes if not handled correctly from the start.
Final Thoughts
Resolution Life life insurance claims require careful navigation because the insurer manages legacy policies, relies on incomplete records, and frequently questions beneficiary designations. Families should not assume a denial is final. Many Resolution Life denials are reversible with the right legal strategy.