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.


Insurers May Be Misusing Cell Phone Data to Deny Consumer Claims

Web Admin - Tuesday, March 21, 2017
American consumers sink millions a year into insurance coverage for their homes, vehicles, and health. The expectation is that faithful and timely payments will cover them if an accident or catastrophic event occurs. Unfortunately, many learn all too late that this is not always the case. Worse yet, some consumers have been implicated in insurance fraud cases. What basis do the insurance companies have for denying these insurance claims? What evidence do they use to press charges against their own customers? The following explains.

Cell Phone Tower Data Leads Denied Claims and Criminal Charges

Insurance companies have been using cell phone tower data to deny claims for some time now, but they have recently escalated matters, often bringing criminal charges against their consumers. An Iowa woman, whose home had caught on fire in 2014, is a prime example.At the time of the fire, the woman claimed to be with her husband and coworkers nearly 17 miles from her home, but the insurance company collected cell phone data that placed her within five to 12 miles of her home. After denying her claim, they filed arson charges and insurance fraud charges against her. She spent the next three years trying to prove that she had not been at home at the time of the blaze.

Thankfully, the woman was eventually acquitted of the charges; she and her lawyer managed proved her innocence using the insurance company’s data against them. Within just minutes of returning to the campsite, she checked her voicemail. During this call, her phone pinged a tower near the campground. Moments later, her mother called. That time, her phone pinged a tower 17 miles away. Minutes later, her husband called, and this time, her phone pinged a tower almost 20 miles away.

What does all this prove? Why does it matter? It is all just another item in the insurance company’s bag of tricks – the one they often use to deny claims. 
This goes beyond mere claim denial, though; it is bullying.

The issue is not reserved for a single company or type of claim either. A California couple is facing criminal charges for insurance fraud after they attempted to file a claim with their insurance carrier, claiming their car had been stolen. Their insurance company claims their cellphones pinged at a tower where the car was later found. Another California couple gave up on their claim after the insurance company started to insinuate they may have somehow been involved in the theft of their car. This is the goal the insurance company hopes to achieve; if they can scare their consumers, they can avoid paying out claims. That, of course, means more money in their pockets.

Protect Yourself While Pursuing Your Insurance Claim

Although you can pursue a new insurance claim or fight a denied one without legal assistance, it is highly advised that you seek experienced counsel. This will not only ensure your rights are protected during the claims process; it can increase your overall odds of reaching a positive outcome in your case. Learn more about how Drost, Gilbert, Andrew & Apicella, LLC can serve you. Call 847-934-6000 and schedule a consultation with our Buffalo Grove insurance dispute lawyers today.

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.


Recent Posts


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