What Types of Death are Not Covered by Life Insurance?

Life insurance policies are designed to protect financially the loved ones of someone who has passed away. However, a select few types of death are typically not covered by life insurance. If your loved one passes away due to one of these causes, you may find yourself unprepared to meet the financial challenges that are in store.

Insurance companies have a financial incentive to collect premiums and pay the least amount of money possible in benefits, in order to increase their bottom line. This conflict of interest can motivate insurance companies to deny a life insurance claim improperly or delay providing much-needed monetary compensation.

Typically speaking, if the death of the policyholder can be attributed to some sort of criminal activity, your claim may be denied. If the death occurs while under the influence of drugs or alcohol, the claim will also be scrutinized closely and possibly denied. A case of suicide, a death during pregnancy, and other circumstances may also lead to the denial of a life insurance claim.

Can the Right Attorney Help Me Fight Back Against Insurers?

Insurance companies all have a bottom line. They will almost always closely scrutinize your life insurance claim in order to pay you the least amount of money they can. In some situations, a loved one will pass away under unusual circumstances or circumstances that genuinely warrant reasonable suspicion.

But you should not have to fight back against an insurance company that is operating in bad faith or that is unnecessarily delaying or denying the financial payout you deserve. The right attorney can help.

A life insurance attorney will make sure that insurers take responsibility and that they do not take advantage of you. It can be difficult to understand the legal complications surrounding life insurance, and it may be even more difficult to assess these situations while you’re grieving the loss of a loved one. The right attorney will give you the assurances you need moving forward with any legal proceedings.

How Will an Attorney Help if You Are Denied a Life Insurance Claim?

If your claim has been denied due to an insurance company acting in bad faith, an experienced insurance attorney will help you file an appeal or a lawsuit. If the life insurance policy was purchased from the insurance company without an employer’s involvement, you might be entitled to recover not only the life insurance payout but also bad faith damages from the insurance company.

If the life insurance was provided through an employer, it’s wise to choose an attorney who has experience handling ERISA claims. Most group insurance plans provided by employers are governed by ERISA, the Employee Retirement Income Security Act of 1974.

Schedule a Free, No-Obligation Consultation With an Attorney Today

McKennon Law Group, PC is a nationally recognized law firm that provides free initial consultations to anyone with questions regarding life insurance policies. Please fill out our free consultation contact form or call us at (800) 682-4137.

We have offices located in Newport Beach, Los Angeles, San Diego, and San Francisco. We’re proud to work with families from all over California who are facing any kind of life insurance legal issues.