While some claims are straight-forward and get paid immediately there are others that are not. For various reasons many claims are investigated under the Contestability clause of the policy. This clause states that during the first two years of a policy, if the insured dies, the insurance company can investigate before paying the claim. What they investigate is the information given by the applicant. This includes medical conditions, financial information, and cause of death. In all Contestable instances the insurance company is looking for reasons they can deny the death claim. Garden State Life is no different.
If you have a death claim with Garden State Life and need help getting the claim paid, contact the Center for Life Insurance Disputes. We have collected over $50 million for our clients.
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Garden State Life claims