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

At McKennon Law, we represent policyholders and beneficiaries in disputes involving life insurance, accidental death and dismemberment (AD&D), long-term care insurance, and ERISA-related claims. We regularly litigate against Transamerica Life Insurance Company, a large insurer that often delays or denies life and AD&D benefits based on contested exclusions or alleged misrepresentations in the application process. Many clients come to us after Transamerica has wrongfully withheld benefits they are rightfully owed under the policy. Drawing on decades of experience — including our attorneys’ past representation of major insurers — we are well equipped to challenge Transamerica’s claim practices and secure the benefits our clients deserve.

Transamerica, based in Cedar Rapids, Iowa and now part of the Aegon Group, markets itself as a trusted provider of life insurance and retirement products across the United States. It is especially well known for issuing term and whole life insurance policies and long-term care coverage. However, despite its consumer-friendly branding, we frequently see Transamerica deny valid life or long-term care claims — often using policy exclusions, lapse defenses, or contestability clauses to avoid liability. At McKennon Law, we know how to navigate these disputes and routinely succeed in compelling Transamerica to pay the full policy benefits, either through settlement or litigation in state or federal court.

In non-ERISA life insurance disputes, Transamerica has at times engaged in conduct that constitutes to bad faith, including failing to conduct proper investigations, misrepresenting policy terms, or using post-claim underwriting tactics to deny benefits. Such practices can violate the insurer’s duty of good faith and fair dealing under California law and expose Transamerica to liability for extra-contractual damages. Our firm is experienced in handling these high-stakes cases, and we aggressively pursue all available legal remedies — including compensatory, emotional distress, and punitive damages — when Transamerica breaches its legal obligations. When Transamerica wrongfully denies a claim, we fight to ensure our clients receive the justice and compensation they are owed.