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Top Reasons Life Insurance Claims Get Denied and How to Respond

Jason Turchin, Esq.

Filing a life insurance claim can be a straightforward process, but it’s not uncommon for claims to be denied. Understanding why claims are denied and knowing how to respond can be crucial in securing the benefits you are entitled to. This article explores the common reasons for claim denials and offers guidance on how to effectively challenge them. The Law Offices of Jason Turchin can help with a denied life insurance claim in Florida and throughout the US.

Common Reasons for Claim Denials

Policy Lapse Due to Non-Payment of Premiums

Life insurance policies require the policyholder to pay premiums regularly. Failure to make these payments on time can lead to a policy lapse. It’s essential to be aware of your policy’s payment schedule and grace period, as well as the consequences of non-payment. A lapsed policy is one of the most common reasons for claim denial, but understanding your payment obligations can help avoid this issue.

Florida life insurance claim denial

Misrepresentation or Non-Disclosure

During the life insurance application process, full disclosure of health and lifestyle is often mandatory. If a policyholder fails to disclose significant medical conditions or lifestyle choices, such as smoking or high-risk hobbies, it can be grounds for claim denial. Insurance companies view this as material misrepresentation or non-disclosure, which could breach the terms of the insurance contract. Being forthright and honest in your application is often critical to prevent such denials. However, there are several defenses to still win your life insurance lawsuit even if there was a misstatement on the application.

Exclusions in the Policy

All life insurance policies have specific exclusions that detail scenarios in which the death benefit will not be paid. These often include deaths resulting from high-risk activities, certain health conditions, or suicide within a specific period after the policy starts. It’s vital for policyholders and beneficiaries to thoroughly understand these exclusions to set realistic expectations about the policy’s coverage.

Contestability Period Issues

The contestability period is a critical phase in a life insurance policy, typically lasting two years from the start of the policy. If the policyholder dies within this period, the insurance company generally has the right to investigate the claim extensively. This can include reviewing the original application for accuracy and completeness. If discrepancies or misrepresentations are found, the claim may be denied. Understanding the implications of the contestability period can help beneficiaries prepare for potential scrutiny.

Beneficiary Disputes

Disputes among potential beneficiaries are a common cause of life insurance claim denials. These life insurance beneficiary disputes can arise if the policyholder’s beneficiary designations are not clear, up-to-date, or if there have been recent changes. Such disputes can lead to legal battles and delayed claim processing. Ensuring clear and current beneficiary designations is crucial to prevent these issues.

How to Respond to a Denied Claim

Understand the Reason for Denial

The first step in responding to a denied claim is to understand the specific reasons for the denial. Request a detailed explanation from the insurance company, as this information is crucial for formulating an effective appeal strategy.

Gather Supporting Documentation

Compile all relevant documentation that can support your claim. This includes medical records, the original policy documents, payment records, and any correspondence with the insurance company. Organized and comprehensive documentation can be critical in an appeal.

life insurance claim help

File an Appeal

Once you have gathered all necessary information, submit a formal appeal to the insurance company. Our life insurance lawyers can assist with this process. Clearly articulate your case and attach all supporting evidence. Be thorough and concise in your appeal to increase the likelihood of a favorable outcome.

Navigating the complexities of a denied life insurance claim can be challenging. Consulting with a life insurance lawyer, like those at the Law Offices of Jason Turchin, can provide you with the necessary experience to navigate the appeals process. Legal professionals can help in fighting for your rights and ensuring that the insurance company fulfills its obligations.


Understanding the common reasons behind life insurance claim denials and knowing how to respond effectively are crucial in safeguarding your rights to the death benefit. With a well-informed approach and professional legal support, you can effectively challenge unjust denials and ensure the provision of the financial support intended for you.

If you’re facing a denied life insurance claim, don’t navigate this challenging process alone. Contact a life insurance attorney for assistance and representation to ensure you receive the benefits you deserve.

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