If you recently lost a loved one who named you as a beneficiary under a life insurance policy, and the insurance company has refused to pay you the policy proceeds, we may be able to help you recover some or all of the benefits under the policy.
Life insurance companies routinely deny claims when the death occurs during the contestability period, some period of time, for example two or three years, after the policy was first purchased. The company may point to some alleged error or some alleged omission on the policy application as a reason not to pay the claim. Under some circumstances such a denial can be wrongful and the beneficiary under the policy may still be entitled to recover.
Another common reason insurance companies give for denying a life insurance claim under an “accidental death” policy is that the death “was not an accident.” Accidental death clauses are sometimes abused by insurance companies who mis-read the clause to their own benefit.