DGAA bLAWg

Potential Reasons for the Denial of a Life Insurance Claim

Web Admin - Monday, May 14, 2018
Deer Park life insurance claim attorneyWhile few people like to think about death, the fact remains that everyone will die at some point, and many people make plans for this eventuality and ensure that their loved ones will be provided for after their death. A life insurance policy can offer peace of mind in this regard, providing the promise that one’s family members will receive benefits after their death. However, it is important to be aware that insurance companies may deny life insurance claims for a variety of reasons, including:

- Unpaid premiums - If a person fails to pay the premiums on their policy, the policy may lapse, and the insurance company may terminate the policy and deny any claims. However, insurance companies are required to send notice to a policyholder and provide a 30 day grace period before canceling a policy.

- Type of death - Some policies include exclusions for deaths that occur in certain situations. For instance, many policies exclude suicides from coverage for a certain period of time, and policies may also contain exclusions for a death which occurred as an act of war or when a person was participating in high-risk activities such as skydiving or mountain climbing. A claim may also be denied if someone died while participating in criminal activity.

- Health issues - Life insurance policies often contain a period of contestability, which is usually the first two years after the policy was initiated. If a person is found to have certain health issues, such as high blood pressure, after dying within the contestability period, the insurance company may deny the claim.

- Living outside the U.S. - Many policies only provide coverage if a policyholder is living in the United States at the time of their death.


The primary reason claims are denied is because of material misstatements made by a policyholder on their life insurance application. These types of statements may include incorrect or omitted information about a person’s health, including any chronic conditions, unhealthy habits (such as smoking), or other medical issues. To avoid the denial of a claim, it is important to be truthful on an application and provide complete answers to all medical questions.

Contact a Buffalo Grove Life Insurance Attorney

When your family has a life insurance policy, you expect to be able to receive the benefits from this policy in the event of a family member’s death. If your claim has been denied, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your rights and work to ensure that you receive the benefits you deserve. Schedule a personalized consultation with an Arlington Heights insurance dispute lawyer today by calling 847-934-6000. 

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.



Sources:
https://www.nerdwallet.com/blog/insurance/life-insurance-policy-reject-claim/
https://www.truebluelifeinsurance.com/7-ways-life-insurance-will-not-pay-out/
https://www.protective.com/learning-center/life-101/important-facts/3-reasons-why-your-life-insurance-claim-could-be-denied/


Recent Posts


Tags

Crystal Lake insurance lawyer cell phone uninsured motorist Illinois estate planning law firm Palatine traffic lawyer estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers FMLA Crystal Lake traffic lawyer employee misclassification Schaumburg employment law attorneys filing a medical malpractice claim natural gas explosion right to work Illinois collections attorney drug crimes lawyer Attorney Ken Apicella subcontractor Palatine construction attorney irrevocable trust landlord federal regulations for LLCs Illinois attorney digital information estate attorney medical malpractice work unions Rolling Meadows employment law attorneys living trust Illinois personal injury lawyer employment law, Illinois employment laws Buffalo Grove corporate attorney IRELA dynasty trusts Arlington Heights Traffic Lawyer investment property Buffalo Grove law firm Illinois workers compensation attorney fatal car accidents Arlington Heights employment attorney slip and fall Crystal lake insurance dispute attorney Deer Park medical malpractice attorney real estate lawyer Riverwoods estate planning lawyer Landlord Tenant Ordinance Chicago estate planning lawyer employment contract Rolling Meadows insurance attorney home inspection lawyer Illinois personal injury holiday statistics Crystal Lake traffic attorney vacation home fines Rolling Meadows corporate lawyer loss of consortium trucking accident lawyers Illinois law deadly crashes DUI attorney Illinois small business Colin Gilbert breach of contract insurance dispute power of attorney comp time distracted driving accidents job lawyers privacy Schaumburg drug defense lawyer Crystal Lake car accident attorney workers compensation Des Plaines Whistleblower Claims Illinois construction accident attorney probate lawyer trench injuries Buffalo Grove traffic attorney Illinois Wage Payment and Collection Act traumatic brain injuries construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation rest breaks traffic accidents Crystal Lake estate planning lawyer sexual images Arlington Heights car crash attorneys Arlington Heights wills and trusts lawyers Schaumburg civil litigation attorney digital evidence spinal cord injury Illinois Transfer on Death Instrument drunk driving statistics Illinois Smoke Detector Act commercial leasing Crystal Lake personal injury lawyer Long Grove estate planning attorney traumatic brain injury Illinois personal injury attorney Long Grove wills and trusts attorneys Palatine drug lawyer Crystal Lake pet attorney Schaumburg medical malpractice lawyer Illinois living will Rolling Meadows probate lawyer Chicago car accident lawyer Crystal Lake pedestrian accident lawyer Illinois insurance claim dispute lawyer Palatine injury attorney Illinois will lawyer Illinois traffic ticket lawyer insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys insurance negligence Inverness civil lawyer Schaumburg personal injury attorney Des Plaines DUI attorney internet Illinois real estate deed transfer Barrington Traffic Lawyer social media after death hands free device Barrington drug crime attorney medical malpractice compensation automated cars Arlington Heights medical malpractice lawyer Illinois trucking safety Schaumburg car accident attorney Deer Park workers compensation lawyer health insurance dispute employment attorney Illinois traffic attorneys Illinois estate planning attorney speeding Barrington medical malpractice lawyers Illinois pet lawyer insurance agents drugs Home Sale Contingencies Palatine law firm Barrington Illinois estate planning lawyer Buffalo Grove personal injury attorney taxes boating accidents Palatine traffic accidents truck collisions Rolling Meadows Traffic Lawyer probate fees POA Palatine corporate law attorneys problem employees Rolling Meadows litigation lawyer real estate closing slip and fall accidents Rolling Meadows employment attorney living wills car crashes car accidents Illinois injury lawyer special needs trust employees Illinois insurance disputes dog bites insurance disputes senior citizens Deer Park traffic accident attorney Buffalo Grove employment lawyer meal breaks Illinois elder law attorney Liquor Control Act Illinois traffic accident lawyer Do Not Resuscitate Illinois criminal defense attorney Deer Park accident attorney Palatine civil litigation lawyer rollover car crashes pedestrian-automobile accident Schaumburg probate attorney driving South Barrington real estate lawyer real estate leasing life insurance claims Deer Park motorcycle accident lawyer auto accidents pay when paid contract Rolling Meadows drug defense attorney DNR products liability Rolling Meadows medical malpractice lawyers Inverness traffic law firm employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Illinois workers compensation lawyer license suspension llinois Real Estate Lawyers Association Des Plaines motorcycle accident attorney financial advisors drug crimes license murder defense traffic deaths pedestrian accident gift taxes food poisoning estate planning lawyer Illinois probate lawyer field sobriety test wrongful death workers compensation benefits Barrington business law firm bicycle accidents Illinois employment law Arlington Heights wills and trusts attorneys contracts landlord tenant law comparative negligence defective products medical malpractice claims preventing accidents insurance claim denials real estate attorneys Des Plaines civil attorney homestead rights bad faith insurance claims Crystal Lake accident attorney Rolling Meadows car accident lawyers clemency employee discrimination defective products lawyer Rolling Meadows employment law attorney federal crimes hiring employees traffic violations Buffalo Grove criminal defense lawyer Chicago attorney creditors blended families Rolling Meadows traffic attorney life insurance lawyer Barrington criminal lawyer Palatine employment lawyer Rolling Meadows insurance dispute lawyers motorcycle accident Rolling Meadows traffic law firm car accident lawyers estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Inverness real estate lawyer Chicago traffic lawyer civil litigation attorney golf accidents DUI defense Illinois boating accident lawyer life insurance policy Illinois speeding lawyer mass shooting rollover accidents Crystal Lake bike accident lawyer Legal Info BAIID mortgage wage theft Barrington estate planning attorney Crystal Lake employment attorney healthcare claims PTSD Illinois traffic attorney preventable medical errors pizza emoji foreclosed rental property Palatine personal injury lawyer insurance claim dispute attorney Schaumburg criminal law attorney Buffalo Grove real estate attorney Inverness accident lawyer head on collisions Thanksgiving college kids digital assets power of attorney for healthcare sole proprietorship manufacturing advance healthcare directive Palatine Attorney traffic violations defense agent Buffalo Grove medical malpractice lawyers wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace personal injury attorney Rolling Meadows criminal lawyer Class A misdemeanor distracted driving accident victims Rolling Meadows boating crash lawyer marijuana crimes attorney controlled substance Illinois jet ski accident lawyer hit and run accident estate planning attorney Palatine insurance lawyer Barrington personal injury attorney Inverness elder law lawyer Rolling Meadows business lawyer real estate zoning Illinois red light cameras texting and driving Illinois car accident attorney Rolling Meadows Illinois driving without license Palatine employment attorney Palatine corporate attorney Illinois employment attorneys workplace sexual harassment swimming pools Barrington personal injury lawyer Super Mario Rolling Meadows marijuana attorney Illinois tax attorney elder abuse blood alcohol content traffic crimes Buffalo Grove traffic lawyers Barrington criminal defense lawyer Retaliatory Discharge Palatine civil attorney Des Plaines criminal attorney Des Plaines pet law attorney disability benefits Inverness insurance attorney Illinois traffic laws Illinois Human Rights Act employment law employment lawyer Illinois insurance claim dispute lawyers Illinois employee rights attorney. involuntary manslaughter modern family estate planning Inverness corporate attorney insurance claim Buffalo Grove injury lawyer unfunded trust insurance claims Illinois business lawyer fault based insurance real estate contract Crystal Lake civil litigation lawyer Des Plaines collections attorney Palatine estate planning lawyer jet ski boating under the influence Palatine punch death Crystal Lake car accident lawyer Des Plaines real estate attorney Arlington Heights estate planning attorney Rolling Meadows accident lawyer Schaumburg traffic lawyer overtime pay insurance adjusters Arlington Heights traffic attorney traffic offenses whistleblower protections criminal underage DUI estate tax Food and Drug Administration's Food Safety Modernization Act Kenilworth estate planning lawyer trauma after an accident Barrington employment attorney Schaumburg personal injury lawyers operating agreements wills Federal Food Drug and Cosmetic Act DMV forming a corporation in Illinois Schaumburg employment attorney premises liability rent to own real estate contracts Fourth of July personal injury Illinois employment law firm Jay Andrew Des Plaines personal injury lawyer probate BUI breathalyzer test Illinois trusts attorney commercial real estate Home Remodeling Repair Act tax attorney Rolling Meadows estate planning attorney Chicago estate planning Des Plaines personal injury attorney Exclusions capital gains tax Chicago will attorney, social media platforms, Illinois estate planning lawyer, Rolling Meadows DUI lawyer condo association Inverness probate lawyer Barrington real estate lawyer Buffalo Grove probate lawyer Schaumburg wrongful death attorney dealing with problem employees license reinstatement overtime violations Crystal Lake criminal defense attorney Rolling Meadows insurance dispute lawyers, insurance dispute Illinois medical malpractice claim Long Grove estate planning traffic tickets accidental death benefits estate planning loopholes Arlington Heights wills and trusts attorney Rolling Meadows Attorney unauthorized overtime Des Plaines personal injury lawyers first degree murder Schaumburg construction accident lawyer Palatine real estate lawyer Deer Park real estate law firm Illinois personal injury lawyers caregiver drug possession Mount Prospect wills and trusts lawyers Kenilworth estate planning attorney Des Plaines insurance attorney drunk driving pregnant women Chicago lawyer Palatine business attorney Schaumburg insurance lawyers Illinois medical malpractice case insurance dispute attorney vacation home Arlington Heights trucking lawyer insurance agent negligence Transfer on Death Instrument bike accident bicycle dooring accidents Crystal Lake medical malpractice law firm Barrington employment law attorney insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Schaumburg personal injury lawyer Illinois Sales Representative Act jet ski accidents Forcible Entry reckless homicide Illinois wills and trusts attorneys Rolling Meadows personal injury lawyers Illinois pedestrian accident attorney institutional trustee Illinois employment law attorney Inverness injury lawyer Illinois insurance claims lawyers Palatine elder law attorney Employment Discrimination Law personal injury accidents gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys Arlington Heights accident attorney Inverness DUI lawyer liability car crash injuries denied insurance claim CAM workers comp expungement pedestrian accidents Crystal Lake medical malpractice attorneys Chicago trucking accident attorney changes to mortgage law Chicago corporate attorney trusts Des Plaines injury law firm crossover accidents Des Plaines real estate lawyer Palatine trusts lawyer Illinois insurance attorney medication errors Inverness estate planning lawyer natural gas Schaumburg criminal attorney low-ball insurance settlement Chicago will attorney probate claims process Illinois product liability Mount Prospect real estate lawyer cell phone tower data surgical mistakes Illinois employment lawyer LLCs appealing an insurance claim Des Plaines medical malpractice attorney healthcare Arlington Heights personal injury lawyer construction contracts Schaumburg real estate lawyer spinal cord injuries eluding a police officer suspended license insurance claim denial fiduciary rule delay startup company Self-Directed IRA Accounts wills and trusts employee rights Illinois corporate lawyer Affordable Care Act Rolling Meadows personal injury lawyer Chicago biking tips insurance denial appeals Illinois insurance lawyer child safety drug crime Deer Park traffic lawyer Arlington Heights insurance attorney murder Crystal Lake medical malpractice lawyer Crystal Lake business law attorneys marijuana Inverness personal injury attorney Illinois registered agent income distribution deducation Barrington civil litigation attorney Deer Park criminal attorney rumble strips Illinois defective products attorney car collision insurance claim dispute Illinois civil litigation lawyer life insurance criminal law Arlington Heights wills and trusts lawyer Schaumburg elder law lawyer Rolling Meadows personal injury attorney Barrington attorney insurance attorney Illinois medical malpractice lawyers Barrington litigation attorney Deer Park DUI lawyer trustee personal injury claim trucking accidents Illinois insurance claim attorney trust payments Deer Park personal injury lawyer civil litigation Arlington Heights TBI attorney Des Plaines drug lawyer nursing home negligence anesthesia errors motorcycle accident lawyer Illinois medical malpractice attorney Buffalo Grove personal injury lawyer criminal defense Illinois workplace discrimination attorney School Visitation Rights Act Des Plaines drug crimes lawyer Chicago insurance claim attorneys Barrington estate planning lawyer Crystal Lake tax lawyer in terrorem provision Arlington Heights pedestrian accidents business litigation Chicago employment lawyer Arlington Heights personal injury attorney personal injury lawyer Palatine criminal defense lawyer minimum wage liability claims Schaumburg estate planning lawyer unpaid overtime Deer Park employment law attorney digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Fair Labor Standards Act civil rights violation Arlington Heights car accident lawyer Palatine workers compensation lawyer Illinois real estate lawyer Detainer Actions small business Rolling Meadows tax attorney icy parking lots Mt Prospect Attorney insurance denials new real estate form Palatine probate lawyer dram shop law Buffalo Grove insurance claim dispute lawyers Arlington Heights lawyer Schaumburg medical research severance agreements Crystal Lake will lawyer independent contractor compensatory time foreclosure living trust vs will Barrington boating accident attorney Schaumburg injury lawyer Illinois Workers’ Compensation Commission IRS Buffalo Grove car accident lawyer Illinois motorcycle accident lawyer Illinois rollover accident lawyers Long Grove estate planning attorneys living trust benefits Illinois workplace lawyer construction accidents ACA estate planning trusts brain injury BAC medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers residential real estate car crash Barrington workers compensation attorney Illinois employment law attorneys boating DUI estate planning for college students Arlington Heights employment law attorneys personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Policy Cancellation Rolling Meadows insurance lawyer Illinois employment laws Schaumburg corporate attorney Crystal Lake personal injury attorney Family Medical Leave Act privacy laws corporate law underinsured motorist DUI penalities Illinois insurance dispute lawyers Illinois Trust Code Joliet general practice lawyers Crystal Lake injury attorney Rolling Meadows real estate attorney Illinois DUI attorney Schaumburg Attorney digital media accounts, estate planning, Arlington Heights estate planning attorney, Arlington Heights criminal lawyer license revocation Barrington injury attorney GM ignition switches unpaid assessment revenge porn DGAA Des Plaines Traffic Lawyer guardianship attorney Illinois bicycle safety Inverness real estate attorney Des Plaines tax law firm FSLA IRA trust transfer Illinois business law atorneys real estate real estate attorney Barrington employment law firm wrongful termination Colin H. Gilbert criminal record Arlington Heights Attorney Palatine employment law lawyer Illinois wills and trusts pain and suffering fiduciary rule ken apicella personal injury law firm Chicago insurance law firm murder charges condo South Barrington real estate attorney caretaker rights Illinois wrongful termination lawyer installment contracts Illinois mortgages Des Plaines accident attorney Illinois estate planning Mount Prospect elder law attorney Illinois lawyer pet bites Des Plaines claims law firm car accident lawyer commercial leases Rolling Meadows criminal attorney pet law employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, texting while driving underfunded trust estate plan Crystal Lake law firm DUI pedestrian injuries, pedestrian fatality cell phone accidents Illinois LLC creation Schaumburg estate planning attorney Arlington Heights real estate lawyer Crystal Lake employment law attorney probate claims paid sick leave Illinois job attorney consent to a search Long Grove real estate lawyer denied insurance claims no contest clauses Arlington Heights injury attorney ObamaCare TBI elder law Illinois Probate Act of 1975 Illinois home inspection sexual harassment traffic laws Chicago employment attorney liens car accident IRA benefits personal injury claims medical marijuana Crystal Lake employment lawyer probate process back injuries Arlington Heights tax lawyer owner responsibility Long Grove real estate attorney denial of life insurance insurance claim delay Kenilworth estate planning attorneys attorney fees Schaumburg estate attorney

Archive