A life insurance policy is a dense, technical legal document. If the insurance company denies your claim for benefits, the policy might be the first place you turn to figure out what went wrong, but it’s not likely you’ll find your answer there, at least without legal help. A better starting point might be the denial letter itself. When an insurance company denies a claim, it is required to send a written denial to the claimant listing the reason for the denial and outlining the steps to take if the claimant wishes to contest the denial. Read More

A sprawling federal investigation recently uncovered over 200 life insurance claims that were denied by Prudential Financial due to a lack of “evidence of insurability” between 2017 and 2020. “Evidence of insurability” is a term of art in the insurance industry and is a standard requirement of the underwriting process in many areas of insurance. Read More

Life insurance is a crucial financial safety net for many families. However, situations may occur where life insurance claims are denied, causing distress and financial strain to beneficiaries during an already trying time. Read More

Insurance is a complex field, and we reasonably rely on insurance brokers and other professionals to help us navigate different policy options. The insurance market is risky for individuals and businesses; parties seeking insurance are increasingly relying upon insurance brokers and agents to secure the policies they need. Brokers and agents are people, however, with competing interests and differing levels of competence. If you rely on an insurance broker to get you a specific policy and they fail to do so, only for you to find out years later when you (or your beneficiaries) need that coverage you thought you bought, you might find yourself in dire financial straits. Read More