After a loved one passes away, life insurance could help pay for their final medical expenses, funeral and burial costs, and financial contribution to your household. However, insurance companies sometimes try to maximize their profits by wrongfully denying, delaying, or underpaying claims on life insurance policies. If you’re stuck in a life insurance dispute in British Columbia, a dedicated Vancouver life insurance claims lawyer from Warnett Hallen LLP can help you demand fair payment. Call or contact us today for a free consultation.
Can a Life Insurance Provider Deny My Claim?
Life insurance providers can and do deny claims, but not always fairly. Reasons they may give to avoid paying out a benefit claim include:
- The insured’s death occurred during the contestability period (usually the first two years after you acquire the policy)
- Failure to pay premiums/cancellation of the policy
- Changes in beneficiaries
- Misrepresentations in the policy application, such as misrepresentations of the insured’s medical history
- Lack of valid insurable interest
- Self-inflicted injury or death
Insurers must state in writing the reason for denying a claim on a life insurance policy. In many cases, insurers attempt to deny life insurance claims with flimsy evidence. A lawyer can counter their weak arguments and demand the money you are entitled to.
How Can a Vancouver Life Insurance Lawyer Help?
A life insurance lawyer from Warnett Hallen LLP can file your claim and work to resolve disputes and unfair denials so you receive the money you deserve. Our lawyers will thoroughly gather the evidence required to prove your right to benefits. If the insurance company refuses to provide the benefits you’re due, our lawyers won’t hesitate to take your case to court to hold the insurer accountable for a bad-faith denial of your life insurance claim.
What to Expect from Your Life Insurance Claim Lawyer
You can expect your life insurance claim lawyer to:
- Review the terms of the life insurance policy to determine the scope of coverage and exclusions
- Review the claim denial letter or other correspondence you received from the insurer to determine the basis for denying your claim
- Communicate with the insurer and aggressively negotiate for the acceptance of your claim
- Thoroughly investigate the grounds for the insurer’s denial of your claim to look for evidence of the insurer’s bad faith
- Take your claim to court, if necessary, to vindicate your right to benefits under a life insurance policy
We Handle Life Insurance Disputes and Get Claims Paid
Turn to Warnett Hallen LLP for help if you have experienced a denial of life insurance benefits. Our firm can pursue your life insurance benefits claim while you grieve the loss of your loved one. You can count on us to advocate for your interests if the insurance company attempts to wrongfully underpay, delay payment, or deny your claim. Call or contact us online to speak with one of our Vancouver life insurance claim lawyers. The first consultation is free.
