Interview: Why are Life Insurance Claims Denied?

Why are life insurance claims denied? The insurance company may give a multitude of reasons, such as suspecting that the policyholder lied or passed away under conditions not covered by the policy.

However, sometimes these decisions are made in bad faith. We spoke to Marc Whitehead, an attorney who helps people appeal denied insurance claims nationwide. In this interview, he explains what you can do if you suspect that your claim was unfairly denied.


Topics covered in this interview:

  • What is “The Life Insurance Claims Kit”, and how you can get a copy?
  • Why is life insurance denied? Are denials common?
  • What is material misrepresentation, and that lead to a denied claim? (i.e. saying you are a non-smoker when you smoke, not disclosing a serious health condition, etc)
  • What if you miss a payment on the premium? Is there a grace period for a late payment? Does that automatically cancel the policy?
  • What is the suicide exclusion? What happens when someone commits suicide soon after purchasing a policy?
  • What is an accidental death and dismemberment claim, and why are they frequently denied?
  • What should you do after a life insurance claim is denied?

Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.


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