Life Insurance Claim Denial - Things You Must Know / Do

DALLAS - Dec. 26, 2018 - PRLog -- 1.  First, Do not accept denial of a life insurance claim without consulting an experienced life insurance lawyer.  There are many ways to collect on a life insurance policy even after the life insurance company has denied the claim.
2.  Number two - Repeat Number One.
3.  Keep a copy of the denial letter from the life insurance company.
4.  Get / keep a copy of the death certificate.  For one thing, a death certificate shows the deceased has died.  But, another reason is that the death certificate shows the cause of death, which is relevant many times.
5.  Get the life insurance policy or a copy of the life insurance policy - if you don't have it, try to get it - if you cannot get it - Repeat Number One.
6.  Get the life insurance application or a copy of the life insurance application - If you don't have it, try to get it - if you cannot get it - Repeat Number One.
7.  Get copies of all communications between the deceased and the life insurance company.  This includes letters, emails, faxes, text messages, and voice mails, if any.
8.  Get copies of all communications between you and the life insurance company.  This includes letters, emails, faxes, text messages, and voice mails, if any.
9.  If non-payment of a premium or premiums is an issue, try to gather all information you may have that reflects payments.
10.  When relevant, copies of divorce decrees may be needed.
11.  When a beneficiary of a life insurance policy has pre-deceased the insured under the life insurance policy, then proof of the death of the beneficiary might be needed.
12.  Write down EVERYTHING you believe is relevant to the claim for life insurance benefits.  Writing this information down as early as possible is important because with each passing day, more and more information is forgotten.  The information may or may not be important, but let the attorney decide if it is important or not.
LAST - Do not accept the denial of a claim for life insurance benefits without consulting with an Experienced Life Insurance Attorney.  An experienced attorney knows the games life insurance companies play and the reasons they give for denial that are not proper under State or Federal laws governing insurance companies and insurance policies.  Make sure one of those games is not being played on you.

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https://www.MarkHumphreysLawFirm.com