Life Insurance Archives - Page 5 of 17

Life insurance policies are a smart way of financially protecting your loved ones in the future. If anyone in your family relies on your income and financial support, and will experience hardship if this financial support no longer exists, life insurance will pay out a sum of money to these dependents once you’ve passed away. The insurer should pay out the full amount in the policy after the insured dies. But, sadly, this isn’t always the case.

Big life insurance companies have a bottom line, and are always trying to save money. Sometimes, these big life insurance companies will deny reasonable claims for simply no reason at all. When this happens, beneficiaries of the deceased may experience serious financial hardship without the life insurance money that was intended to protect them.

Read on to learn what you can do if your life insurance claim was denied by the insurance company. We’ll break down what you can do and, if you have any questions about life insurance policies or about filing an appeal for a denied claim, contact us for a free consultation regarding your situation.

How Do I Know My Life Insurance Claim Was Denied?

You will be contacted by the life insurance company in order to tell you that your life insurance claim has been denied. The insurance company sends the proposed beneficiary a formal letter by mail, which will break down the reasons why the life insurance claim was denied. In the letter, the insurance company will typically take this time to quote specific standards and provisions from the policy that apply to your specific case, listing documents that they reviewed and evidence they leveraged in order to make the decision to deny your claim.

In some random cases, a beneficiary’s claim may be denied via a phone call. If you have had your life insurance claim denied in a phone call, you have every right to contact your life insurance company and request a formal denial letter in writing. It will be helpful to have this document on hand. A denial letter not only outlines important information that is required to fight back against the denied claim, but it also demonstrates exactly what day the life insurance company decided to deny your claim, and helps you outline a timeline for appealing the claim or deciding to file a lawsuit.

The denial letter that a beneficiary receives from the insurance company will be a crucial part of the appeal procedure, so be sure to have a physical copy for your records. With this information, a skilled California life insurance lawyer can outline a procedure for filing an appeal.

Why Did My Life Insurance Claim Get Denied In California?

There are a multitude of reasons why a life insurance claim can get denied in California. The following is a list of just a few examples, as there are many more reasons:

Policy was canceled or the life insurance lapsed because of a missed payment
Failure to reinstate the policy after a lapse or missed payment
Failure to provide correct or accurate information on life insurance application
The deceased passed away due to alcohol or drug use, including prescription drug misuse
The deceased passed away due to a sickness or treatment that is excluded from the policy
Failure to disclose a pre-existing medical condition
Failure to disclose frequency of medical check ups
Misrepresentation of the deceased’s weight, age or income
Denial under the two-year life insurance contestability clause
The deceased passed away via suicide
The deceased passed away in a foreign country
And much more

When filing for any kind of insurance, always be sure that you consult with a lawyer in order to know what you’re signing up for, and what is required of you to ensure you receive the full scope of benefits that you are requesting.

How Does A Lawyer Help Me File An Appeal For A Denied Life Insurance Claim?

First, your lawyer will help you contact the insurance company to find out why exactly the claim was denied. Sometimes, denial letters are hard to decipher, so we will help you figure out exactly what you need to do to proceed. Your insurance company will let you know if your policy allows you to file an appeal, and will let you know which documentation you need to do so. This may include medical records, reports of an autopsy, or receipts of your insurance payment. Your lawyer can help you collect all of this.

Our attorneys handle denied life insurance claims all the time. We will take the time to listen to your fears and concerns and, in a free consultation, will provide you with all of the resources you need to get help. To successfully file an administrative appeal for a denied life insurance claim, your California life insurance attorney will create and present a strong convincing argument that is based upon the facts of the case, which will be supported by the state and federal laws that govern it.

As you already know, paying your insurance premium on time – whether that’s your car insurance, homeowner’s insurance, or life insurance – is of the utmost importance. Staying insured protects you from unpredictable events that often arise in life. But, if you fail to pay your insurance premium, your coverage can lapse and any future claims may be denied, keeping you from the very benefits you intended to get should you need them. Life insurance companies, unfortunately, routinely deny claims due to non-payment of premiums.

It is valid for a life insurance company to deny a claim if you have not paid your premium, as long as they do so for the proper reasons. Not all claim denials are valid, and these decisions can often be appealed. All states have different laws that dictate how insurance companies should handle their customers when insurance companies lapse. California life insurance laws are especially unique, and are best understood with the help of an attorney by your side. If your life insurance claim was denied in California due to not paying your premium, turn to a trusted lawyer from McKennon Law Group.

What Is A Life Insurance Lapse?

When an insurance payment lapse occurs, there is a period of time where you do not have insurance. This happens when an individual stops paying the monthly or quarterly payment for their life insurance premium. The insurance will cancel if it is not being paid, and your coverage therefore will end.

Depending on the unique stipulations of your policy, you may be able to reinstate the policy after a payment lapse if your insurance company permits, and if you meet certain stipulations and requirements. However, if your life insurance lapses, generally speaking, you will be denied your life insurance claim–unless you have the help of a life insurance lawyer.

At McKennon Law Group, we take the time to listen to your situation and provide open, honest advice for next steps. If your life insurance claim was denied due to a lapse in payment, we can communicate with your insurance company and search for any area of opportunity where this decision can be appealed.

What Are The Responsibilities Of The Life Insurance Company?

First and foremost, your insurance company has a responsibility to send you multiple notices if you have been late on your payment or failed to provide your payment at all. Whether it is via email or a standard mail, your insurance company needs to reach out to let you know that you haven’t been making payments and that your insurance will soon lapse. If your life insurance company fails to do so, you may be able to fight back against a denied claim. Adults above age 65 are especially protected by this responsibility. Just like you have a responsibility to pay your premium, your insurance company has a responsibility to keep you informed about the status of that penalty.

Life insurance companies are also required to follow all state and local laws before denying a claim due to a lapsed insurance policy, just as they are required to properly allocate the funds that they receive. Insurance companies are also required to include certain language in their communications that provides details about payments lapses, so that any policyholder clearly understands what could happen if they do not pay their premium.

All life insurance companies are required to operate in good faith. If you feel that your life insurance company in California is acting in bad faith, and has wrongfully denied your life insurance claim, or failed to uphold their responsibilities as your insurer, you have the right to contact a lawyer and hold this company accountable for their action, or lack of action. Our team at McKennon Law Group can help any California resident in this situation. We understand how frustrating it can be to have a denied claim, and take the time to find any possible solution to get you the compensation you deserve.

Schedule A Free Initial Consultation With A Newport Beach Attorney Today If Your Life Insurance Claim Was Denied

With more than 60 years of insurance claims legal experience, the attorneys at McKennon Law Group represent clients in disputes with insurance companies in California and nationwide. Nationally recognized, we have helped hundreds of clients obtain their improperly denied life insurance benefits. We provide free initial consultations to any California resident in need of help with their life insurance premium or a denied life insurance claim.

Schedule a free, no obligation consultation with our Newport Beach life insurance lawyers today to get the help you deserve.

We all pay a substantial amount for insurance. If you become disabled, or if a loved one dies accidentally or otherwise, you expect your insurance company to approve your disability claim or accidental death/life insurance claim quickly.

The policy you hold is a promise from your insurer to be there with the coverage its policy promises when coverage is needed. When you pay for a policy, the company is legally obligated to provide the coverage as it is stated in the policy terms. It is also obligated to handle your claim in a reasonable manner and resolve in good faith any claim you make.

If your insurer does not act in good faith, do not allow it to take advantage of you or to continue to act in bad faith when it handles your claim. By law, insurers cannot avoid their obligation to make a payout on a covered claim or to offer a reasonable and legitimate reason for denying the claim.

How Is Bad Faith Defined?

If your insurance company does not take its legal obligations to you seriously by not handling your claim in a reasonable manner, you may have sufficient grounds for a lawsuit alleging insurance bad faith. A simple denial of your claim is not enough. A bad faith lawsuit must be based on an insurance company’s specific acts or failures.

In California, as in most states, insurers have an obligation to handle all claims reasonably and to pay all legitimate claims. But in practical terms, what does this mean? Below are listed some – but not all – of the reasons why an insurance company may be targeted with a lawsuit that claims bad faith:

Failure to investigate or negotiate your claim in good faith;
Failure to share with you important information;
Failure to provide an explanation for a claim’s denial;
Failure to offer a reasonable settlement in a case where the liability is reasonably clear;
Failure to act on a claim within a reasonable time-frame;
Offering a settlement amount that is less than the value of your claim;
Hiring biased experts to review claims;
Failure to conduct an adequate investigation before denying a claim.

Bad faith insurance practices include prolonging a claim investigation needlessly, coercing or intimidating you into taking an insufficient payout amount, or rejecting your claim for a fabricated or disingenuous reason.

Will a Letter to the Insurance Company Help?

Sending the insurance company a letter – or asking your attorney to send a letter – might be enough to generate some action from the company. When an insurance company knows that you have taken the matter to an attorney, the company is much more likely to begin treating you right.

The potential for legal action may compel an insurance company to make a settlement offer that is reasonable, because if you prevail in court with a bad faith claim, the company may have to pay your attorney’s fees and additional damages over and above the original claim amount. In other words, you will have some leverage with an experienced disability, life or accidental death insurance bad faith attorney involved. As can be seen by our success stories, we have had many successes in taking on insurance companies after we have been hired.

How Can You Help Your Bad Faith Case?

If your case goes to court, you and your insurance attorney will have to offer specific instances of an insurance company’s bad faith. You can help your case by making copies of the pertinent insurance documents and copies of any letters or emails to or from the insurance company.

Also, be sure to maintain a record of any conversations with the company. Take notes that include the time, date, and the name and job title of the individual who spoke with you.

If your case goes to court, you and your insurance attorney will have to prove that by denying your claim, the insurance company was not merely making an honest mistake but was acting unreasonably in making its decision. If you can show that the insurer acted with fraud, oppression or malice, punitive damages may be available.

How Will Your Attorney Prove Your Bad Faith Claim?

A California bad faith insurance attorney will ask your insurance company for the documents and records related to your claim and for other documents detailing the company’s procedures and policies.

The insurance adjuster or another representative of the company may be subpoenaed for a deposition or to testify in a court hearing. In certain cases, an insurance claims attorney may ask an insurance expert to make a statement or testify about insurance industry practices and that expert may be able to comment on whether in his or her opinion, the insurer’s actions were unreasonable and/or violated appropriate industry standards. Case law and State insurance statutes and regulations, such as California’s Fair Claims Regulations, will often provide the appropriate reasonable standards that insurers are required to follow.

If the company did not comply with these standards or even its own practices, procedures, and guidelines, a qualified and experienced bad faith insurance claims lawyer will be able to prove these bad faith claims practices, likely leading to success in your bad faith insurance lawsuit.

When Should You Speak to an Insurance Claims Attorney?

How can you find out if you are dealing with bad faith insurance practices? You could send a complaint to the California Department of Insurance, but we found that our clients who have done so have received no real help.

Realistically, you must consult a California bad faith disability, life, and accidental death insurance lawyer to know if you have sufficient grounds for a bad faith lawsuit and to know if the denial of your claim can be overturned. Schedule a consultation as soon as you suspect that you are dealing with insurance bad faith.

As mentioned above, in the State of California, a plaintiff who succeeds with a bad faith lawsuit may recover attorney fees and compensatory damages (including emotional distress damages), in addition to payment of the original claim. Your first consultation with an attorney is free and entails no obligation.

Do Not Be a Victim Twice

If you have made a claim on an insurance policy, you may be at a difficult point in your life. You may have lost a loved one accidentally, or you may have sustained a severe personal injury that disabled you or you may have become sick and needed medical attention for which you expect to be covered. You should not have to be victimized a second time by an insurance company’s bad faith.

As a policyholder, you have the right to be dealt with in good faith by your insurance company.
If you believe you are the victim of an insurer’s bad faith practices, contact McKennon Law Group PC for a free consultation.

What if you file an insurance claim, and instead of simply denying your claim, your insurance company informs you that your policy has been rescinded? The company may be operating in bad faith. You should arrange to discuss the matter at once with a California insurance claims attorney.

In what circumstances may an insurance company legally rescind your insurance policy? If you believe that your insurance claim was legitimate, do you have any legal recourse against the insurance company? Is there still any way for you to receive the payout the company owes you?

If you continue reading this brief discussion of rescinded insurance policies and bad faith insurance practices, these questions will be answered, and you will learn more about your legal rights as an insurance policyholder in California.

What Is “Rescinding” an Insurance Policy?

When an insurance company “rescinds” a policy, it treats the policy as if it never existed. In practical terms, it means the company is no longer obligated to pay claims for health insurance, life insurance, accidental death insurance, long-term disability insurance, or long-term care insurance.

Insurance companies may rescind an insurance policy in order to deny an insurance claim, but rescinding a policy is different from simply denying a claim. Determining that a policy, in effect, never existed compels the insurance company to refund any premiums that you have already paid.

Why Are Insurance Policies Rescinded?

Rescinding a policy can boost an insurance company’s profits. Rescinding policies eliminates policyholders who seek payouts while the company accepts payments from policyholders who are not seeking payouts. This could leave you with no coverage at precisely the time you need it.

By rescinding a policy, the company is claiming that the policy was invalid from the beginning. California insurance companies may rescind a policy if a policyholder made a false statement on the initial policy application, meaning that the policy was based on a “material falsehood.”

The company may claim, for example, that you denied being a smoker or that you failed to list DUI convictions when you completed the application. When a policy is rescinded, the company must send the policyholder a rescission notice and return the premiums or offer to do so.

When You Purchase a Policy, Take All the Time You Need

If you have purchased a life, accidental death, or disability insurance policy, you know how much paperwork is involved, including policy applications, supplemental applications, personal history questionnaires, policy notices, and medical documents.

You will answer dozens of questions when you purchase a policy. Take all the time you need to consider the questions thoughtfully, and get the answers right. Presume that anything you tell an insurance company could be used against you to deny a claim.

California insurance law requires all questions on disability, life or accidental death insurance applications to be clear, specific, and understandable. You can indicate if you are unsure of or cannot remember the answer to a particular health history or other question.

What Are Your Rights If Your Life, Accidental Death, or Disability Policy Is Rescinded?

Your insurance policy cannot be rescinded if the purportedly false statement made on the application was trivial or irrelevant, or if you did not know that you suffered from a latent medical condition, or if you did not understand the significance of your response at the time.

A policy is rarely rescinded unless you have made a claim. If an insurance company unlawfully rescinds your policy to avoid making a payout that the company owes you, that insurance company is operating in bad faith, and you should consult a lawyer about taking legal action.

Typically, a California insurance claims lawyer will write a letter on your behalf to the insurance company and demand a detailed explanation for the rescission of your policy. Simply by having a lawyer on the case, you will compel some insurance companies to reverse course.

How Will an Life, Accidental Death, or Disability Insurance Claims Attorney Handle Your Case?

If a letter from an insurance claims attorney does not change the insurer’s position, you may be able to take legal action against the insurance company for breach of contract and breach of the implied covenant of good faith for attempting to rescind your insurance policy.

When you turn to your insurer for a payout that you need – and you have faithfully paid the premiums – a denial of coverage that uses rescinding the policy as an excuse can be catastrophic, particularly if you have lost a loved one, if you are in poor health, or if you need long-term disability coverage.

Insurance bad faith laws provide that an insurance company cannot rescind a policy merely to get out of its legal obligation to pay a legitimate insurance claim. When an insurance company does not take its obligation to you seriously, you may have sufficient grounds for legal action.

How Can You Know If You Are an Insurance Bad Faith Victim?

You may submit a complaint about your policy’s rescission to the California Department of Insurance, but only a California insurance claims attorney will be able to tell you if the insurance company was operating in bad faith and whether you have grounds for taking legal action.

A California insurance claims lawyer will provide you with a free, no-obligation initial case evaluation. You will be able to receive the detailed, personalized legal advice that you’ll need, and you’ll be able to make a more informed decision about moving forward with a legal action.

Most insurance claims attorneys in California work on a contingency fee basis, which means that you pay no attorney’s fees until and unless the matter is resolved in your favor. In many bad faith cases, the insurance company will also be ordered by the court to pay your attorney’s fees.

When Should You Contact an Insurance Claims Lawyer?

Particularly if you have lost a loved one or if you are recovering from accidental injuries or from a serious illness, the last thing you need is your insurance company dealing with you in bad faith, complicating your life, and making your days even more difficult.

Some insurance companies in California are operated professionally and provide the services they are supposed to provide, but there are still many insurance companies that place profits above the legitimate claims of their policyholders.

If your insurance policy has been wrongfully rescinded, or if your life, accident, or disability insurance claim has been unreasonably denied, you should fight for the coverage you are owed. Contact an insurance claims lawyer at once to review your options or to begin the legal process.
If you believe you are the victim of an insurer’s bad faith practices, contact McKennon Law Group PC for a free consultation.

You file a claim as the beneficiary of a life insurance policy, which the insurance company denies. What are your rights in this situation? What legal recourse is available to you? First, you should immediately schedule a consultation with a California life insurance claims attorney.

A beneficiary who faithfully pays life insurance premiums for years has a right to expect a full payout. The death of a loved one can cause financial difficulty, and rejection of a life insurance claim can be utterly devastating.

If you are a life insurance beneficiary and your claim has been denied, a California life insurance claims lawyer can determine what legal claims you may have against the insurance company.

Retaining a lawyer allows you to negotiate a settlement with the insurance company, or if it refuses to pay a reasonable settlement amount, to sue it and ask a court to order the payment of your claim.

What Happens When A Life Insurance Claim is Denied?

If you are a beneficiary, the life insurance company may notify you of a denial by letter or phone. A letter from the insurance company may explain a denial by quoting policy language and listing documents it reviewed in the decision-making process.

If the insurance company calls to notify you over the phone that it has denied your claim, request written notification of the denial indicating the date the decision was made and reasons for denial, and ask whether you can appeal the decision. A written decision on the denial of your life insurance claim is required by law.

What Reasons Are Given for Claim Denials?

The reasons an insurance company might give for denying a life insurance claim include but are not limited to:

The policy lapsed or was canceled due to a missed payment.
There was a material misrepresentation of fact on the life insurance application.
The policy was provided through an employer, and coverage was terminated when the employment ended or the employer switched to a different insurance provider.
The policy was for accidental death only, and the death was not accidental.
An exclusion in the policy excludes coverage.

If Your Claim is Denied, Follow These Steps

When an insurance company denies a claim, it is required to send the claimant a letter spelling out in detail the specific reasons for the denial. However, life insurance companies often send denial letters that provide only vague reasons, or none at all, for the denial.

If you receive such a letter, contact the company and request a written list of each specific reason for the denial. Also, ask how to appeal the decision. You may need to gather documents such as medical records, the autopsy report, or receipts for premium payments.

How Will an Insurance Claims Lawyer Handle Your Case?

The next step is contacting a highly qualified life insurance attorney who will review the policy, the stated reasons for denial, and any other pertinent documents.

The attorney will discuss with you how the law applies to your case and will explain your options, which may include appealing the denial decision and/or suing the insurance company. However, many life insurance policies and Employee Retirement Income Security Act of 1974 (ERISA)-governed life insurance policies require at least one administrative appeal before an insured or his/her designated beneficiary may file a lawsuit.

For an administrative appeal, your lawyer will present a case based on the facts and supported by the law. Even if the insurance company upholds the denial, the administrative appeal provides an opportunity for you and your lawyer to begin preparing your case for litigation.

Let an Insurance Claims Lawyer Help You Fight Back

Many insurance companies examine life insurance claims with the intent of paying as little as possible on claims. While some deaths genuinely warrant suspicion, many do not and a significant portion of claims made are valid. If the insurance company acts in bad faith or wrongly delays or denies benefits, the right life insurance lawyer can help.

A life insurance claims lawyer can help you avoid being taken advantage of by a life insurance company. Assessing your insurance situation accurately while you are grieving a loved one’s death can be difficult, and the right lawyer will provide the candid advice and insights you need.

Life insurance claim denial cases are often resolved quickly when your lawyer presents the insurance company with the right documents, evidence and applicable laws. A well-constructed appeal letter also informs the company that you are serious and willing to litigate your claim.

What About Employer-Sponsored Life Insurance?

ERISA is the federal law that regulates life insurance policies provided through employers, and these cases are handled by U.S. District Courts in the federal court system. If the policy you made a claim on was provided through the decedent’s non-government employer, select a lawyer with a record of success handling ERISA claims.

However, if the life insurance policy was not purchased through an employer, a lawsuit against the insurance company will be handled by the state court system and favorable state law will apply. California is especially favorable to life insurance claimants.

The ERISA statutes provide guidelines for how ERISA cases are handled. For example, when you sue under ERISA, your damages may be limited to the amount of your claim, pre-judgment interest and attorney’s fees, and will not include bad faith or punitive damages. Your case will be heard by a federal judge as opposed to a jury.

What Is Insurance Bad Faith?

If the life insurance company mishandles your claim, intentionally or negligently, it may be held accountable for acting in bad faith. Bad faith allegations arise from an insurance company’s specific acts or failures to act. Insurance bad faith includes but is not limited to:

Delaying an investigation for no apparent reason and delaying payment of the life insurance claim.
Denying a life insurance claim for clearly false or fabricated reasons.
Denying a life insurance claim based on an inadequate investigation.
Tricking or intimidating a claimant to take a settlement offer for less than the life insurance claim is worth.

Bringing the Matter to Its Best Possible Conclusion

Your life insurance lawyer may ask the insurance company to produce all documents it has that are pertinent to your claim, and may depose or subpoena a representative of the company.

Your life insurance claims lawyer may also ask an insurance industry expert to make a statement or testify on your behalf regarding standard life insurance procedures and practices. The right attorney will do what it takes to bring the matter to its best possible conclusion.

If your legitimate life insurance claim has been wrongly denied or delayed because an insurance company is acting in bad faith or is simply trying to avoid paying a claim, discuss your claim – at once – with a California life insurance claims lawyer who will help you seek justice.

If you believe you are the victim of an insurer’s bad faith practices, contact McKennon Law Group PC for a free consultation.

When a VGLI death benefit is denied or delayed, it can be increasingly frustrating to try and figure out why. That’s why at McKennon Law Group, our lawyers work hard to represent beneficiaries who are unable to access benefit money that they rightfully deserve. Read on to learn more about what you can do if your VGLI death benefits were denied or delayed, and contact our law firm right away if you have questions or need help.

What Is VGLI?

VGLI stands for Veterans Group Life Insurance, life insurance policies that are designed to protect United States military veterans and to give financial security and peace of mind to their beneficiaries and loved ones after the veterans have passed away. These policies are technically contracts between the veteran, who is the insured party, and the insurer. As with any life insurance policy, the VGLI policies designate beneficiaries who are entitled to receive the money from the policy when the veteran has passed away– as long as the conditions of the veteran’s passing does not break the contract or conditions of the insurance policy.

Sometimes, however, insurers delay in paying out these policies, or deny them altogether. Read on to learn more about VGLI benefits and what you can do if they were denied or delayed. If you are experiencing a situation where your benefits are being denied, our law firm is here to help you get through it.

What Are Some Common Reasons Why VGLI Benefits Can Be Denied?

Before we break down many reasons why these benefits can be denied, it is important to realize that many times denied claims are illegitimate. Any time a life insurance claim is denied, whether it is a veteran’s life insurance policy or a standard one, you should always hire a lawyer so that they can thoroughly examine this denial or the delay. Always remember that claim denials can often be overturned or appealed, but it can be difficult to do so without the help of a lawyer.

Commonly, lawyers will see benefits denial due to misrepresentation on application. If there is missing information on your application for Veteran’s life insurance coverage, or if some of the information you supplied is incorrect on purpose, the claim may be denied. Sometimes, VGLI claims can be delayed for quite some time if there are insufficient supporting documents provided with the application. If there are any disputes with your application or the conditions of the insurance policy, this can significantly affect how long it takes to receive your VGLI death benefits.

In other cases reasons for denial are much more simple. Maybe the insurer is claiming that the veterans life insurance policy was canceled prior to the veteran passing away. Sometimes denials can be chalked up to simple accidents, either on the insurer’s behalf of the insured.

We have also seen some families fail to convert SGLI benefits (Servicemembers Group Life Insurance) To VGLI once a service member gets their veteran status. If the insurance company perhaps approved SGLI coverage, but then denied VGLI coverage, it is possible that this claim was wrongfully denied.

How Can A Lawyer Help Me With A Denied Or Delayed VGLI Death Benefit Claim?

Our attorneys are skilled in helping people just like you recover your wrongfully denied or delayed VGLI payout. Our life insurance attorneys understand how frustrating it could be to be denied the claim that you rightfully deserve. Our attorneys are skilled, hard-working and compassionate professionals and will get you the resources you need to get to the bottom of this. We have extensive experience appealing unfairly denied claims and looking into reasons why the VGLI claim could be delayed on your behalf.

Additionally, we can settle any disputes that arise regarding the distribution of money to beneficiaries, including handling firsthand any litigation that arises when beneficiaries are receiving their money. And, to mitigate the risk of a denied or delayed claim, we can even help our clients through the process of submitting the VGLI claim before they even submit it.

Schedule A Free, No Obligation Consultation With Our VGLI Lawyers Today

If your VGLI death benefits were delayed or denied, contact our lawyers today for a free consultation of your situation. We can help you appeal a wrongful denial, or handle all communications with the insurer to figure out why your claim is being denied. Dealing with the insurance company all on your own can be a daunting process, so we aim to make the experience as simple and stress free for you as possible.

What Should I Do If My Life Insurance Claim Was Denied?