Life insurance claim denied?
ByRead this. Life insurance claim denied? Don’t take no for an answer. Learn how you can get your money every time.
Many people think the life insurance companies are trying to deny them money. Well, the truth of the matter is life insurance companies are in business to take in money in the form of premiums and to pay out as little as they can in the form of benefits. They consider this to be good business. Their stockholders also think this is good business.
Life insurance companies have an investigative process when a benefit claim has been made due to the death of the insured. Most of the time this process of investigation is routine. However if the death has not been ruled natural, the investigation becomes more extensive. The investigator will want to know how the person died, if any one caused the person’s death and if the beneficiary was involved in the death of the person.
If the beneficiary is involved in the death of the insured you can be sure that the investigation will be long, drawn out and very thorough.
Life insurance benefits are almost always paid, especially if the policy has been in force for two years or longer. The only exception to this is if the beneficiary is convicted of killing the insured and then the benefit is usually paid to somebody else.
If the insured person dies within the two-year period the life insurance company can deny the claim if it was found that the application had been falsified, or in the event of a suicide within that same two-year period.
Every state has a Department of Insurance and if a life insurance company does attempt to deny your benefits, then that is the place to file a complaint and they will make sure that the insurance company does pay the benefits unless they have a very good reason not to.
Jimmy says, make sure that you answer all the questions on the application correctly and that you do not commit suicide, at least for two years and you will have nothing to worry about as far as the benefits on your life insurance policy being paid to your family in the event of your untimely demise.
Whoa Jimmy?
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Life insurance claim denied does not have to be the final answer and if you have any experience in this area pleas share with our readers in the comments.
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