Insurance Justice Advocates
Life Insurance Claim Denials
When life insurance companies wrongfully deny, delay, or underpay death benefits, they add financial hardship to the emotional burden of losing a loved one. Despite clear policy terms, insurers often search for technicalities to avoid paying legitimate claims, hoping beneficiaries will accept denials without question.
Brian and Fletcher are experienced in insurance bad faith litigation and have recovered millions in wrongfully denied life insurance benefits. They understand the tactics insurance companies use to avoid payment and know how to effectively counter them. Brian and Fletcher successfully overturned claim denials based on alleged application misrepresentations, policy lapse allegations, and contested cause of death determinations.
Beneficiary Designation Contests
Policy Misrepresentation
Lapsed Coverage Disputes
Cause of Death Investigations
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Common questions
Why do insurance companies deny valid life insurance claims?
Insurers commonly deny claims by alleging material misrepresentations on applications, policy lapses due to missed payments, deaths during contestability periods, exclusions for certain causes of death, or disputes over proper beneficiary designation. Brian and Fletcher have successfully challenged all these denial tactics and recovered rightful benefits for their clients.
What is insurance "bad faith" and how does it affect my case?
Bad faith occurs when an insurer unreasonably denies or delays payment of a legitimate claim. In Arizona, insurance companies that act in bad faith may be liable not only for the policy benefits but also for additional damages including emotional distress, consequential financial losses, attorneys’ fees, and in some cases, punitive damages.
What should I do if my loved one's life insurance claim was denied?
Do not accept the denial as final. Obtain a written explanation for the denial, gather all policy documents and correspondence, and contact our attorneys immediately. Do not sign any releases or settlements before consulting with us. There are strict timelines for appealing denials, so prompt legal consultation is essential.
How long does it take to resolve a denied life insurance claim?
While some cases can be resolved through negotiation within months, others may require litigation that extends 1-2 years. Brian and Fletcher’s goal is to secure your rightful benefits as efficiently as possible while still obtaining maximum recovery. In many cases, their involvement alone prompts insurance companies to reconsider denials.
What if the insurance company says the policy lapsed before death?
Brian and Fletcher have successfully challenged lapse allegations by demonstrating improper notice of premium due, insurer errors in processing payments, application of policy grace periods, waiver of premium provisions, and other legal arguments. Even when a policy technically lapsed, they have secured full benefits by showing the insurer’s practices contributed to the lapse.
What Our Clients Say
Real experiences from people Brian and Fletcher have helped. These unfiltered reviews reflect their commitment to achieving justice and providing compassionate service through every step of the legal process.