Life Insurance Lawyer Jersey City New Jersey

Jersey City is a nice place to live, especially as it is reasonably priced, and only a short Path ride to the city. When you need a life insurance lawyer New Jersey, give us a call.

Three reasons for denied life insurance claims include death due to alcohol or drug-related incidents, failure to disclose participation in hazardous occupations or hobbies, and death occurring outside the policy's coverage territory. Firstly, death resulting from alcohol or drug-related incidents can lead to denied claims. Many life insurance policies have clauses specifying that coverage will not be provided if the insured dies as a direct result of alcohol or drug abuse. If the insured's death is determined to be caused by substance abuse, the insurer may deny the claim based on this exclusion. It's essential for policyholders to be aware of such exclusions and to disclose any substance abuse issues during the application process to avoid claim denial later on.

Secondly, failure to disclose participation in hazardous occupations or hobbies can result in denied claims. Some occupations and hobbies carry higher risks of injury or death, such as construction work, firefighting, or rock climbing. Insurers often require applicants to disclose any participation in hazardous activities during the application process. If the insured fails to disclose involvement in such activities and dies as a result of injuries sustained while participating, the insurer may deny the claim for failing to disclose material information. Policyholders should be transparent about their occupations and hobbies to ensure accurate underwriting and avoid claim denials.

Lastly, death occurring outside the policy's coverage territory can lead to denied claims. Life insurance policies typically specify coverage territories within which the policy is valid. If the insured dies while traveling or residing outside the coverage territory specified in the policy, the insurer may deny the claim. While some policies may provide limited coverage for deaths occurring outside the coverage territory, others may exclude such incidents altogether. Policyholders should review their policies carefully to understand coverage limitations related to geographic location and consider purchasing additional coverage if they frequently travel or reside abroad to avoid claim denials based on this reason.

2023-2024 Jersey City New Jersey Denied Life Insurance Claims Resolved

  • Midland National interpleader settled $502,500.00
  • Fabric Life lapse of policy nonpayment $39,000.00
  • Primerica accidental death case $413,000.00
  • London Pacific COVID death lawsuit $109,000.00
  • Jersey City New Jersey denied life insurance claim $202,000.00
  • USAA prescription drug exclusion $120,000.00
  • AARP coronavirus death denied claim $77,000.00
  • Jersey City New Jersey life insurance claim $330,000.00
  • AD&D denied claim in Newark New Jersey $105,000.00
  • Bestow beneficiary dispute $168,000.00
  • North Western Life interpleader $108,000.00
  • Mutual Security act of war exclusion $10,000.00

Interpleader Lawyer Jersey City New Jersey

Interpleader example with respect to a disputed life insurance claim:

Background: John Doe had a life insurance policy with XYZ Life Insurance Company, with Jane Doe listed as the primary beneficiary. As John's health deteriorated, he hired Mary Smith as a caregiver to assist him. In the final days leading up to his passing, John made a last-minute beneficiary change on his life insurance policy, naming Mary Smith as the new primary beneficiary, allegedly under the influence of undue pressure or manipulation.

Dispute: After John's passing, Jane Doe, his spouse, and Mary Smith, the caregiver, both claim entitlement to the life insurance proceeds. Jane asserts that the last-minute beneficiary change was made under duress or incapacity, while Mary insists that John made the change willingly and with full capacity.

Interpleader Action: Facing conflicting claims, XYZ Life Insurance Company files an interpleader action in court. In the interpleader complaint, the insurer states that it is unable to determine the rightful beneficiary and seeks court guidance on how to distribute the life insurance proceeds. XYZ Life Insurance Company deposits the policy benefits into the court's custody and asks the court to determine the rightful beneficiary.

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