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Life Insurance Companies Not Paying Claims

What To Do When Your Insurance Company Won’t Pay

Each year, the National Association of Insurance Commissioners (NAIC) compiles a list of the most common complaints that consumers have with their insurance providers. The list is a compilation of records from state insurance departments, which are one of the primary tools that individuals can seek help from when they feel an insurance company isn’t treating them right. (Why buy for health insurance when your parents’ policy can cover you? Read on to avoid paying twice. See Health Insurance Tips For College Students.)

Not surprisingly, the vast majority of complaints stem from issues regarding the handling of claims, which is the reason that people take out insurance in the first place. The most current NAIC study states that just over 26% of all complaints stem from delays that policyholders experience when waiting to receive a claim. The denial of a claim is the next most frequent complaint and accounted for just over 14% of all complaints. In a related complaint, another 14% stemmed from unsatisfactory claim amounts offered by an insurance firm.

It’s also worth pointing out which types of insurance have the most complaints. The results are again are not surprising as accident and health insurance disputes are the most common, accounting for just over 48% of complaints. Auto is the next highest category at over 31% and is followed by homeowners at almost 10%. After life and annuity complaints at nearly 7%, the list drops off to more minor complaints.

Knowing the largest proportion of complaints per insurance category is important for consumers. For instance, be on high alert when you have a health insurance claim to make and stay equally vigilant when you have an auto or homeowners claim. Below are four steps to take to fight against an insurer who is delaying paying your claim, has denied your claim or has made what you feel is a low-ball offer to settle your claim.

Keep Pristine Records
When it comes to claims, the work you did before an accident occurred can be vitally important. In regard to insuring the contents in your home, it helps to keep receipts and records of your possessions – especially the more expensive assets. One industry source suggests taking a tour of your home and recording all of the contents with a video camera and then keeping the video in a safe place outside of home, such as at the office or in a safe deposit box. And when it comes to disputing a claim, keep a very detailed record of whom you talked to, when and what was discussed. Shady insurance firms go out of their way to make the claims process difficult, so evidence to prove their elusiveness can help your case immensely. (Don’t go to work without this policy in place – especially if your work is in your home. Check out Insurance Coverage: A Business Necessity.)

Take Advantage of the State Regulator
Taking an insurance company to court should be used as a last resort as it can tie up a claim in court for many years and seriously delay receiving needed funds to replace a home or pay medical bills. The first steps are to attempt to work directly with your insurance agent or insurance firm provider in a calm, patient manner – documenting the entire process all the while. If they end up proving difficult to work with, utilizing the services of a state insurance regulator can help move the process forward.

Know Your Insurance Policy and Rights
A thorough review of an existing or new insurance policy will offer some of the best insight into what’s expected if an individual needs to make a claim. Details on what is covered, what needs to be done to file a claim, how quickly a claim must be submitted and what the process is to estimate damage reimbursement amounts are all contained within. Having an attorney’s help during a deposition where an insurance firm interviews you to get details about an accident or the value of possessions in the case of property & casualty insurance can be a good idea, especially if the amounts are sizable. Equally important is knowing what your rights are in the case of a dispute, which should also be detailed in a policy or a discussion with your agent, insurance provider or state regulator.

Be Persistent
At its worst, encountering difficulties in getting an insurance firm to honor their claims obligations can be an extremely frustrating and time-consuming process. The vast majority of cases should be much more straightforward, and most claims and disputes are actually handled correctly and ethically by insurance firms. But when challenges do arise, individuals must stay on top of their insurance provider with frequent follow-ups and the thorough documentation of the entire process. (Consumer protection against insurance company failures actually falls into the hands of state governments. How much protection do you have? To learn more, read Are You Protected If Your Insurance Company Goes Belly-Up?)

The Bottom Line
Studies also exist that rate individual insurance providers, so it may be a good idea to do a background check on your current provider and refer to these studies when searching for a new provider. Again, most insurance claims are handled properly and in a timely manner, but it helps to be aware of the challenges you might encounter if the process doesn’t go as smoothly as it should.

How to Get Insurance Companies to Pay Your Claims

When your company drags its feet, use these tactics to help you claim your cash.

By Kimberly Lankford, Contributing Editor
April 6, 2012

Filing an insurance claim is often directly preceded by a traumatic event in your life. So the last thing you need is a fight with your insurance company to force it to pay. But you can take steps at every point in the process — and even before a traumatic event occurs — to help make sure you get satisfaction.

Says Angelyn Treutel, an independent insurance agent in Bay St. Louis, Miss.: “People who do some planning are going to get through the claims process most easily.” She has plenty of experience with tricky claims: In 2005, Hurricane Katrina’s storm surge engulfed her town and left her house in 12 feet of water. It was about a year and a half before Treutel could move back into her home, and at the same time she was helping clients get their claims paid, too.

Technology has helped smooth the claims process since then, says Treutel. Smart-phone cameras, insurers’ apps, Web tools and other resources can help you prepare before a claim, submit information and gather evidence to support your case if your claim is denied.

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Even if you take preventive measures plus steps to file a hassle-free claim, you could find yourself losing a tug of war with your health, homeowners or auto insurer over how much it will pay. These tactics will help you fight back.

Health insurance

Health insurance claims earn the title of most complicated because you must deal with the complex relationship between your health care provider and your insurer. It doesn’t help that doctors and hospitals provide different deals for each insurer.

You’ll avoid many hassles if you know what your policy does and doesn’t cover — and what it requires. For example, do you need to get preapproval to go to certain facilities? “You don’t want to wake up in the middle of the night with severe abdominal pains wondering if you’ll be covered in the ER automatically or if you have to notify your insurance company first,” says Tom Bridenstine, Virginia’s managed-care ombudsman, who helps people with claims questions and assists in appeals.

Also, find out how much your out-of-pocket costs will be for an out-of-network provider. Charges for such visits are a common source of complaints because the co-payments as well as the total cost may be higher than with in-network providers. And the claims process may not go as smoothly because the out-of-network provider hasn’t set up an electronic claims link with the insurer, says Ingrid Lindberg, of health insurer Cigna.

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If you have questions about coverage for out-of-network care, call your insurer and “note the date and time, the person you spoke with and a brief summary of the conversation,” says Bridenstine. “I’ve seen that kind of detail help win many appeals if the rep from the insurance company inadvertently gave the wrong information.”

When you have a claim, compare the form you get from the doctor (called an encounter form) and the doctor’s bill with the insurer’s explanation of benefits (EOB). “Never pay a doctor’s bill until you get your EOB,” says Pat Pane, a medical claims specialist in Wilmington, N.C. The doctor’s office may have sent you the bill before filing the claim with the insurer.

How to fight back: A denied claim could just be an administrative problem. The insurer may need more information from the doctor, or wrong codes may have been entered somewhere along the paperwork trail. If addressing those items doesn’t solve the problem, don’t waste your time with “repeated phone calls over weeks and months,” says Bridenstine. “Go into the official appeal process.” That forces the insurer to respond in a timely manner. The denial letter usually outlines the appeal procedure.

Call your state insurance department for guidance before you file an appeal (find a link to your state’s department), especially if the claim is for a large sum of money. Be prepared to provide evidence from your doctors about why the procedure was medically necessary or why you needed to go out of network for care. If you aren’t happy with the results of an internal appeal, your state may offer an external appeals process with third-party medical experts.

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Sometimes you need to provide extra paperwork if you have trouble getting some of the claim paid. Bridenstine recently helped a Staunton, Va., man file an appeal contesting a $37,013 bill he got from Mayo Clinic for prostate cancer surgery — in addition to the $2,246 he paid for his deductible and co-payments — after he had contacted his insurer for permission to go out of network for the care. The patient worked with Bridenstine to file an appeal with his insurance company. The appeal included information from his doctors justifying the medical need to go out of network, and his balance due was lowered to $437.

You can get extra help from a claims specialist. These professionals can help organize your claims paperwork, deal with the insurer, spot errors, collect extra documents from doctors, and help you file an appeal. Find one at www.claims.org. Expect to pay about $130 to $150 per hour.

Homeowners insurance

Insurers used to recommend making long lists of every item in your house and storing the records in a safe-deposit box. Now you can take a video of everything — including your possessions and architectural details—with your smart phone and e-mail it to yourself. The Insurance Information Institute’s home inventory app (at KnowYourStuff.org) and the app from the National Association of Insurance Commissioners make it easy to save the information.

When you have a claim, gather as much information as you can as soon as possible. “Make sure you’re not putting yourself in danger, but take as many pictures as possible and take notes,” says Derek Ross, an independent insurance agent in Tarzana, Cal. In traumatic situations, it can be difficult to recall all the information later.

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It helps to photograph the source of the damage, such as the source of a water leak, says Patrick Gee, senior vice-president of personal claims for Travelers. “Then there are many fewer questions about the cause of the loss.” Do what you need to do to prevent further damage, such as boarding up broken windows, but don’t start cleanup or other significant work until the insurance adjuster comes.

Filing a small claim could cost you a claims-free discount or trigger a rate increase, and filing a series of small claims could eventually get you dropped by your insurer. It’s better to pay small claims yourself and keep your deductibles high to benefit from lower premiums.

Use apps from your insurer that make it easy to send pictures and other records. Then keep in touch with your adjuster, either through e-mail or by phone. “Follow up once a week or so to find out if there’s anything else you should do,” says Treutel.

Set up a meeting with the contractor and the adjuster at the damage site. “It’s good to evaluate the damage from the same perspective,” says Gee. If you don’t have a regular contractor — or if you have water damage or other special issues — your insurer may be able to recommend some companies.

Keep receipts for hotel stays, meals and other extra living expenses while you’re out of your house; those costs may be reimbursed by the insurer. Also keep records of all supplies you buy to help contain the damage.

Contact the insurer if the contractor finds new issues after the repairs begin. “We might take a look at it again, and that’s a normal part of the process,” says Gee.

How to fight back: Every state insurance department has a free service to help you through the claims process and to make sure you’re getting everything you’re entitled to under your policy, says John Huff, Missouri’s director of insurance. Huff says that, mostly due to the devastating tornado in Joplin, Mo., his department had 21,000 inquiries last year and recovered an extra $19 million in claims payments for consumers. If your area has had a major disaster, your state insurance department may set up a special appeals process.

Your state can help even when there’s no major disaster. “It’s amazing how quickly many claims get paid once you contact us,” says Monica Lindeen, Montana’s commissioner of securities and insurance. “And sometimes just threatening to contact us can help.”

Don’t jump at an offer from an independent adjuster to provide extra help before working with your insurance company and state insurance department. Freelance adjusters charge a percentage of your payout — typically 10% to 15% of the amount recovered. In Joplin, as well as areas affected by Hurricane Katrina, some public adjusters showed up right after the storm and tried to get people to sign on with them before going through the claims process with their insurer. If you decide to use a public adjuster, be sure he or she is licensed with your state insurance department.

Auto insurance

When you’re in an accident, don’t just exchange insurance and contact information with the other driver. Take pictures of everything with your phone’s camera — your car’s damage, damage to the other car, the accident scene, and the other driver’s license plate, registration and insurance card. Get contact information from any witnesses. Then contact your insurer or agent.

Some insurers, such as Chubb and Travelers, have apps that walk you through the claims process and let you upload the photos and an audio or written description directly to your claims file. Travelers’ Auto Accident Help app produces a detailed accident report that you can send to any e-mail address. If the police arrive and write up an accident report, get the report number.

You can generally use any repair shop to get your car fixed, but taking your car to a repair facility on the insurer’s recommended list may expedite your claim. Some insurers have special one-stop claims facilities where you can take your car, meet a claims representative and arrange for a rental car.

How to fight back: If your body shop says it will cost more to fix the car than the insurance appraiser says, provide a detailed estimate from the shop to the insurer. Sometimes the difference can be a result of policy specifics — if, for example, your insurance covers after-market parts but the body shop wants to use original manufacturer’s parts. You may also have the right to get an “independent appraisal” — you get an appraisal yourself and a third party weighs that along with the insurer’s appraisal and settles on the number. (This is usually called the “appraisal clause” in the policy.)

If the insurer says your car is totaled — because it will cost significantly more to repair your vehicle than it’s worth — and you disagree on the value it has assigned, make a case for why your car is worth more. Compare the selling prices of used cars the same age and in similar condition in your area (you can see local ads at Autotrader.com) and check used-car values at Edmunds.com and KBB.com.

It can also help to get your agent involved; sometimes he or she can help speed the claim along or ask for specific information from the insurer about why the payout was lower than expected. If the claim payment is still too low, enlist the help of your state insurance department.

Life Insurance Claim Denied: 7 Beneficiaries Who NEVER Got Paid

By Chris Huntley

Life insurance claim denied!

Now that’s a scary statement to start off any life insurance article.

I would however like to emphasize that for the vast majority of life insurance claims, a company will honor the death benefits without issue (if you are looking for more information about my picks for the best life insurance companies that pay out click here!).

Unfortunately there is flip side to this coin. There are occasions when a life insurance claim is denied by the insurer.

Although we greatly sympathize with those embroiled in a legal entanglement with their insurer, we’re going to review the reasons why a company might deny a claim.

To start, be sure to grab a quote from a company you can trust below, or if you’re already dealing with a company withholding money from you, click for help with a denied claim.

In a perfect world I want everyone, whether you currently own a policy or are thinking about buying one, to understand their legal obligations and rights. This will prevent your beneficiaries from getting caught in a quagmire when a claim is submitted.

Don’t lose heart if you’ve hear the words “life insurance claim denied!”. Most companies have an appeal process. There are also fantastic life insurance lawyers out there. I strongly recommend that you use one to represent you in the unlikely event that you find yourself in this situation.

It’s worth the fight.

This advice is true no matter where you live. This quote comes from as far away as Australia my friends:

All insurance policies are contracts and, in most cases, the contract is written by the insurer. These documents are written by lawyers and it’s not unusual to see the use of complex terminology and complex document structures. What You Need to Know About Life Insurance Rights and Responsibilities, The Australian

A Life Insurance Policy Is A Legally Binding Contract

So first and foremost, be aware that a life insurance policy is a legally binding contract.

This means any breach of contractual obligations may cause your claim to be denied by the insurer.

Most life insurance companies have been in this business for well over a century and they’ve seen it all.

Life insurance scams abound and companies don’t take any form of misrepresentation lightly.

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Don’t Be Pinocchio! Or Your Beneficiaries Will Hear “Life Insurance Claim Denied”

If you’ve been reading my blog, you will see this point come up time and time again! I advise all of my clients to be prepared for the application process. Not sure about a question? Take time to clarify the details.

Guessing is a dangerous game. If you misstate something, provide inaccurate or incomplete information this leaves room for denial of your claim. You should also be as truthful as possible. This is not the time for creativity – honesty is always the best policy.

So let’s take some time to analyze the main reasons why policies are denied.

. & 7 Real People Who Didn’t Get Their Payout

Life Insurance Claim Denied. Let’s Find Out Why

Material Misrepresentations & The Contestability Period

So you remember that advice I gave ‘ya: No lying, exaggerating or guessing?

Well you’re gonna find out what happens if you don’t heed my recommendations right now ladies and gentlemen!

All life insurance policies contain a clause which states that if the insured dies within the first two years, the company has the legal right to legitimately challenge the claim.

This allows the insurance company to confirm background information contained in the policy and potentially dispute the death benefits. Hey they didn’t expect ‘ya to die after all!

Tell the Truth – the Whole Truth & Nothing but the Truth!

Insurance applications ask various questions about age, weight, income, health, hobbies, criminal history etc.

If your life insurance company contests the policy and finds information that was either omitted or contradicts the statements you provided, there is gonna be an issue.

Please note, only material misrepresentations (those that affect risk) result in policy cancellation. That being said, in some rare instances insurance companies use contestability as an opportunity to deny a valid claim – even if the misrepresentation or nondisclosure isn’t material.

Don’t breathe a sigh of relief if your application was approved. Misrepresentations can come back to bite you down the line if they are relevant to a claim. Lying on Insurance Forms Can Come Back to Haunt You, CNBC.com

#1: Incomplete Application Used as Reason to Deny a Legitimate Claim

After Ian Weissberger’s death in 2005, American General cancelled his life insurance policy and refused to pay his widow the $250,000 benefit!

The premiums were paid up and no foul play suspected. So why was his sole beneficiary, Sheila Weissberger, denied her claim? Was it Lou Gehrig’s disease? Nope, he wasn’t diagnosed until months after her took out the policy! So what’s the deal?

American General said that Ian’s application for coverage was incomplete. The company stated that Weissberger failed to disclose conditions, including bipolar disorder and pulmonary disease in the application process, which nullified his wife’s claim.

Click Here for Help Getting Paid!

The most interesting part is, Ian’s doctors deny he had those conditions!

To stop abuses by life insurers, most states have banned limitless rescissions, but in California and elsewhere, they are permitted during the two year contestability period.

#2: Murder Victim’s Family Denied Claim because of a Preexisting Condition!

A lawsuit was filed against Settlers Life Insurance, by the widow of Curtis McCraw, who was gunned down by unknown assailants in Knoxville, Tennessee.

Stephanie McCraw, was denied the death benefit because the company claims McCraw had Hepatitis C unbeknownst to them, a pre-existing condition that was unrelated to the cause of death.

The company President Michael Lowe states that Settlers shouldn’t have to pay the death benefits if they’re able to prove McCraw lied about his condition.

“The law in Tennessee is clear that the cause of death is not relevant,” Lowe said. “What is relevant is whether the insured truthfully informed the company of his health at time of his death. If an applicant lied, the company has a right to deny the claim.”

Policy Exclusions Such as Suicide

Every life insurance contract has a number of exclusions that define situations where coverage will be denied, such as suicide for example.

These exclusions are worded very carefully by life insurance companies.

It’s important for you to understand your exclusions before you sign on the dotted line as these scenarios may be used to deny a claim under the right circumstances

Note: Some exclusions are ambiguous. Life insurance companies use them to routinely deny claims.

#4: A Suicide That Resulted in Denial of Death Benefits!

Life insurance companies typically include a suicide clause in their policies. The standard wording usually gives them the right to deny a life insurance claim if the insured commits suicide within two years of taking out the policy.

Should an insured person replace an existing life insurance policy with a new one, the clock for the suicide clause is set back to zero. Which means the two year period starts all over again!

An Iowa man replaced four small policies with one policy that had a death benefit of approximately $60,000. Both the old policies and the new one were issued by Bankers Life Co.

The man committed suicide within two years of the issuance of the newly combined policy. The insurer denied the claim under the suicide clause. A lawsuit followed and four years later, on the eve of trial, the widow settled for $23,000.

Unfortunately she also had to shoulder substantial legal costs. Ugh.

#5: Life Insurance Claim Denied: Yet Another Policy Exclusion!

When Jenny and John Crowley found out they were having a baby, they did the responsible thing and bought life insurance. Thankfully, they both passed the insurance company’s physicals. Jenny obtained $500,000 in coverage and John $1 million.

They were set and would be secure for decades to come! …or at least that’s what they thought…

Sadly, one year later, Jenny died of an aggressive form of breast cancer. When John put in the claim he was rejected!

The company, which has since settled with Crowley, acknowledges that this case prompted them to change their own policy several months ago. They now support Crowley in his fight to push through legislation, dubbed “Jenny’s Law.”

Advocates for Jenny’s Law, named for Jenny Crowley of Ashland and designed to more fully protect families that take out life insurance policies, were hosted by Governor Deval Patrick on Monday, December 8 in a ceremonial signing of the bill. The legislation, introduced by Senator Karen Spilka (D-Ashland) in January 2007, was signed into law by the Governor in November. HollistonReporter.com

“Under precedent at the time, it did require that a person be in good health when the policy was issued, even if they didn’t know about it,” said general counsel Terence O’Malley. “We reviewed all that and agreed that a different standard should apply.”

In most states, “good health” is clearly defined by insurance law. This wasn’t the case in Massachusetts. Courts had been relying on precedent set by cases dating back to 1920. This put the burden on policyholders to demonstrate that they were in good health when their policy was issued.

In Jenny Crowley’s case, the company cited the “good health” provision to deny the claim.

Lapsed Policy – Nonpayment of Premiums

A life insurance policy is only active for as long as premiums are up to date. Failure to make payments may cause a policy to lapse or be terminated by the insurer.

Denied claims due to lapse are very common and life insurance companies may even use nonpayment of premiums as an excuse to deny a claim even when it should be paid.

NOTE: As a beneficiary, you have the right to know whether the life insurance company sent notices to the correct address. The insured has the right to be clearly warned of impending lapse.

Click Here for Help Getting Paid!

#6: Denied Claim Due to Lapse

Ted Croft, a father of four with two sets of twins, tragically lost his wife after she was diagnosed with a type of brain tumor so rare the Cancer Center Agency had never before treated it.

This is a tragedy, but the story gets even worse! Croft found out that his life insurance company won’t be paying him a penny.

Life insurance claim denied!

35-year-old Chelsea Steyns should have been insured when she passed away. Sadly, this wasn’t the case.

The couple had moved house and were dealing with the effects of an at-risk pregnancy, so they failed to note her life insurance premiums went unpaid for one month. The withdrawal usually came out of her account, but something ‘glitched’ in the system and it was missed.

Five months later, Chelsea was diagnosed with a brain tumor. Following this devastating news, she called her life insurance company and was informed the policy was null and void! The company stated that a letter was sent to notify them of the lapse in coverage, but the couple never received it.

Life Insurance Tip: Always name a secondary addressee on your account. That way if you move, change banks or residences and forget about your life insurance premium the carrier will send notifications to the person on record. Most carriers have a grace period of 30 – 60 days.

Falsified Information

The most common reason a life insurance claim is denied is because of alleged material misstatement or false information on the application.

There is a caveat. The information has to be so critical that had it been imparted to the life insurance company they would have refused to issue your policy.

Any statement or omission used to disguise circumstances that would have otherwise led to such rejection may result in your life insurance claim being denied.

Note: This can occur even after the two year contestability period.

#7: A Widow Paid His Premiums for 18 Years, Only to Have his Claim Denied When He Died

Alexander Shetsen worked hard to provide for his family. He took a job as a property manager with the Newark Housing Authority in November 1989, and stayed there for more than five years.

As part of his benefits, he held a life insurance policy that would pay $21,000 upon his death as long as he paid the premiums, which he maintained diligently for 18 years.

…But when he died on Aug. 1, 2013, at age 85, the life insurance company refused to pay his beneficiary!

Cigna said the terms of the new policy didn’t cover Shetsen because he didn’t have enough years of service at the housing authority to qualify. They made this assertion despite the fact that Shetsen paid more than $4,000 in premiums over 18 years.

Thankfully a few days later, “Somebody from Cigna called and said they are very sorry, his policy was correct and they are sending her a check for $21,000 today,”

All insurance companies have procedures to appeal denied claims, so if you’re ever hear the words: “Life Insurance Claim Denied” be sure to take advantage of this process.

“If someone has been denied a claim, please remember this is not a final decision,” said Sean Keating, a certified financial planner with Patriot Financial Advisors in Eatontown. “They should gather all the information they can about the policy and why it was denied.”

Click Here for Help Getting Paid!

#6: Life Insurance Claim Denied Based on Height Discrepancy!

A Lubbock woman is suing a Pennsylvania insurer, alleging the company improperly denied a $200,000 death benefit because they claim her ex-husband listed the wrong height on his insurance application!

Yep, the insurer asserted that Henry Sanders was 5’8″ – 5’9″ inches tall instead of 5’11”, which he claimed on his application.

The plaintiffs provided the company with an autopsy report that showed Henry Sanders was actually 5 ’10½” inches tall. Only a half-inch shorter than the height he reported on the life insurance application.

A doctor also submitted a statement confirming body height varies with the passage of time and can differ by as much as a half-inch over the course of a single day.

The suit alleges that the Life Insurance Co. of North America refused to pay the claim, based on a “hyper-technical” reason.

Sure sounds like a STRETCH to us.

Life Insurance TIP: It’s not uncommon for life insurance companies to use material misstatements or omissions to deny a life insurance claim. Always be honest. It’s also a good idea to get your agent to give you a copy of any statements you made during the application interview. Some agents gloss over information or cut corners. If your life insurance claim is denied, your beneficiary should challenge the company and this information will come in handy.

What Are Your Rights & Obligations? Huntley Wealth Can Help!

A life insurance policy is a contract. So you if you hear the words “Life insurance claim denied” it’s time to look at your rights.

Insurers are legally obligated to provide a beneficiary with the following information:

* The insurer must provide a legitimate reason and notice of why the claim is being denied. Otherwise they may be violating the law.

* Each submitted claim must be reviewed in good faith and cannot be denied for an arbitrary reason.

…and as I mentioned above there is an appeal process, so it’s not over ’til it’s over. Many people have successfully appealed denied claims so please don’t give up.

Find a great life insurance lawyer and saddle up for a fight.

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5 Insider Tips for Massive Life Insurance Savings

This is yet another great reason to make sure you consult a SEASONED independent agency, such as Huntley Wealth. Our agents will go through the application process with you – to make sure you are crossing your i’s and dotting your t’s.

You can feel secure in the knowledge that we will never rush you through the process or gloss over important details.

Call us today at 877 – 443 – 9467 if you think you need life insurance because we can help!

All Comments

Hello my bame is Thelma. I have several life insurances that i have been paying for more than a decade. My husband passed away 2013 and since the. I have nothing but hearthaches with my 2 children. Reading your blog scared me that what if insurances deny my beneficiaries of thwir claim when i pass?
Is it possible to consult witn you to have a peace of mind?
If so how much do you charge for consult?

Hi Thelma,
I am happy to discuss this with you either over the phone or via email. You probably have nothing to worry about, unless you gave incorrect information on your application. Please send me an email to talk about this further – [email protected]

My dads insurance company agent failed to put his beneficiary on his policy at the time it was taken out over ten years ago. He passed away last Dec. Now what do I do in order to collect on his policy, as I am the executive on his will.

My sister passed away last month and for years has given me the Physicians Life Ins. Beneficiary Cards. I am the only family member still living and was surprised to find that her new “best friend” of two years had been named the beneficiary of both of her life insurance policies.
My sister was prescribed Lyrica, Morphine Sulfate, MS Contin, Robaxin, Topamax, Xanax, Fioricet and Ambien…and more importantly, she did not take these medications as prescribed and would actually crush the time-released Morphine for an immediate affect. I had also learned her “friend” had lied to her and told her that I had said things that were horrible and very hurtful to her and to our relationship. In addition to the misuse of her medications, I feel that the lies her friend told her makes it obvious that she was manipulating my sister and without these things there would have been no change after years of being designated her beneficiary.
Do I have a legal right as her sibling and only living relative to find out when the change of beneficiary occurred?
Thank you for your help!

Hello Susan – I am so sorry to hear of your sister’s death and the circumstances surrounding it. I am also sorry for my delay in response – I don’t know what can be done to help you – other than to seek the advice of an insurance attorney…I’m sorry I can’t help you myself. Best wishes!

need help on death benefit my dad had foremost and ameRica moden home insurance

Hello Kim, So sorry for your loss! I hope you have found what you needed regarding your father’s death benefit – I don’t sell those products, so I’m sorry but I cannot help you. Best wishes!

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Invitations on insuranceblogbychris.com for application for insurance are made through Consumers Advocate Group, LLC (and in Florida: Consumers Advocate, LLC, and in New York: Consumers Advocate Group of Washington, LLC), an independent agent/producer, and its designated insurance producer, Francine Powel, only where licensed. All license numbers are available here and automatically provided as required by law. Consumers Advocate Group, LLC and Francine Powel are licensed insurance producers in all states and the District of Columbia. Partial list of licenses of Consumers Advocate Group, LLC and Francine Powel include National Producer Numbers 17651093 & 17613858, Resident State of Washington 892652 & 889919, Arkansas 100133617 & 17613858, California OK54069 & OK36946, Louisiana 662576 & 661089, Massachusetts 1987330 & 1984318, Minnesota 40439498 & 40437799, Texas 2170808 & 2022858 & 2019069, and Utah 536206 & 534286.

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Insurance policies described, quoted, shown, and illustrated throughout this website are not an offer for the sale of any particular insurance policy or product, only an invitation for application for insurance coverage and may not be relied upon. There are many variables in different insurance coverages and companies, including various insurance company standards and offerings, underwriting requirements and may not be available in all states.

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