Los Angeles and Orange County Disability Insurance and ERISA Claim Attorneys Fight AIG Claim Denials

At McKennon Law, we regularly represent clients in high-stakes insurance disputes involving life insurance, accidental death and dismemberment (AD&D), long-term care, and ERISA-governed claims. One of the insurers we frequently challenge is American General Life Insurance Company, a subsidiary of AIG (American International Group). Many of our clients come to us after American General denies life insurance or AD&D claims — often citing misrepresentations in the application, lapse in coverage, or contested policy exclusions. With decades of litigation experience, including years spent representing insurers, our attorneys know how to unravel these denial strategies and aggressively fight to recover the full benefits our clients are owed.

American General Life, part of the global AIG network, is one of the largest issuers of individual life insurance policies in the United States. While AIG promotes its brand as stable and customer-focused, we frequently see cases where American General delays or denies valid claims through strict reliance on contestability investigations, vague exclusion clauses, or failure to properly notify policyholders of lapses. At McKennon Law, we are skilled in uncovering these procedural and substantive errors and routinely succeed in overturning claim denials, recovering policy proceeds, and forcing American General to comply with its legal obligations under both state law and ERISA.

In individual life insurance disputes, American General has exhibited behavior that amounts to insurance bad faith, including denying claims without adequate investigation, failing to fairly interpret ambiguous policy language, or rescinding policies based on minor, unrelated application discrepancies. Such conduct violates the insurer’s duty of good faith and fair dealing under California law and can give rise to significant liability — including punitive damages. At McKennon Law, we vigorously pursue both contractual benefits and extra-contractual remedies when American General engages in these tactics. We are committed to holding AIG and its affiliates accountable when they place profits above their promises.