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Life Insurance Denials

North Carolina Life Insurance Lawyers

Have you been denied life insurance benefits? Denied or delayed benefits can turn an already difficult situation into a traumatic experience. If you have lost a loved one and are having trouble recovering life insurance benefits, Crumley Roberts is here for you. We care like family, listen to learn, and do what’s right.

Representing clients across North Carolina, our life insurance attorneys and support staff can investigate the situation to determine both the cause for denial and the best course of action to pursue the benefits to which you are entitled. In our experience, the majority of denials for life insurance claims are for one of three reasons:

  • The policyholder missed payments. An insurance company may deny a life insurance claim on the grounds that payments were missed, but this could have occurred due to processing mistakes on the company's part. Insurance providers typically provide grace periods for late payments, which should also be taken into consideration.
  • The policyholder misrepresented facts when applying for coverage. Referred to as material representation, when a policyholder alters or conceals information in order to secure life insurance coverage, the policy may then be considered null and void. Beneficiaries may still be entitled to benefits, however, if the misrepresentation was unintentional or did not actually affect the policy.
  • The death occurred during the policy’s contestability period. After a policy becomes active, life insurance companies have the right to investigate and deny claims for a certain amount of time known as a contestability period. Even if a death occurs during this time, the claim should be fulfilled if there are no issues with the policy or circumstances surrounding the death.

Recovering Delayed & Denied Life Insurance Benefits

When it comes to recovering delayed or denied life insurance benefits, the team at Crumley Roberts is prepared to put your interests first. We will work closely with you to seek a swift and fair resolution to your life insurance claim.

To learn more, please call us at (866) 691-0607. Our phone lines are open 24/7 for you.

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