Denied Life Insurance Claim Lawyer
If your life insurance claim has been denied, you need more than explanations — you need results.
Insurance companies deny claims every day based on alleged misrepresentations, exclusions, technicalities, or supposed policy lapses. Many of these denials are aggressive, incomplete, or legally flawed.
You do not have to accept a denial.
Call 1-888-510-2212 for a free consultation
Your Claim Was Denied. What That Usually Means.
When insurers deny a claim, it often involves one of the following:
Alleged misrepresentation on the application
Contestability period investigation
Lapse or non-payment claims
Suicide or exclusion clauses
Toxicology-based denials
Employer group life policy issues (ERISA)
Beneficiary disputes
Many families assume a denial is final. It rarely is.
Why Acting Quickly Matters
Life insurance denials are time-sensitive.
Appeal deadlines may be as short as 60–180 days
ERISA policies require strict procedural compliance
Evidence can be lost
Appeals often become the entire legal record
Early mistakes are difficult to undo.
The sooner your case is reviewed, the more options you may have.
How We Challenge Denied Life Insurance Claims
Depending on the facts, we may:
Demand the full claim file
Analyze underwriting decisions
Challenge alleged misrepresentations
Review medical causation evidence
Investigate lapse notice compliance
Prepare structured administrative appeals
File litigation when necessary
Insurance companies expect many families to give up. We don’t.
What Makes Denied Claims Winnable
Denied life insurance claims are often reversed when:
The alleged omission was not material
The insurer stretched policy exclusions
Lapse notices were defective
Investigation was incomplete
ERISA procedures were violated
The denial letter may look definitive. That does not mean it is legally correct.
Free Case Evaluation
If your life insurance claim has been denied:
We will review the denial letter
Identify applicable deadlines
Evaluate the strength of your case
Explain your options clearly
No pressure. No obligation. Just clarity.
Call 1-888-510-2212 for a free consultation
Free case evaluation here
Frequently Asked Questions
Can a denied life insurance claim be overturned?
Yes. Many denials are reversed through appeals or litigation, especially when based on misrepresentation or procedural issues.
How long do I have to challenge the denial?
Deadlines vary by policy. Some require action within 60–180 days. Acting quickly protects your rights.
Should I appeal on my own?
Be careful. In many cases, the appeal becomes the official record for court review.
What if the insurer says the denial is final?
A denial letter does not eliminate legal remedies. Many “final” denials are later overturned.
Don’t Let a Denial Be the End
Insurance companies rely on delay and discouragement.
You deserve answers — and action.