Banner life insurance claim was denied?
We fight and win denied life insurance claims for our clients — that’s all we do. We’ve recovered over $100 million for our clients from denied claims and we can do the same for you. If your Banner life insurance claim was denied contact us now.
Whether denied, delayed, or you just need help, we are the experts in life insurance claims and we are here to recover your money.
Many life insurers make a habit of denying life insurance claims without having all the facts they need to make an informed decision. If you’re a victim of an unfair claim denial contact us to get your claim paid.
THE CENTER FOR LIFE INSURANCE DISPUTES
#1 firm in US for recovering denied life insurance claims.
We accept claims in all US states.
Call us now: 1-888-428-4868
Email us now: Contact Us
Denied Life Insurance Claims – Getting Insurers to Pay:
Why Do Banner Life Insurance Claims Get Denied?
If a Banner life insurance claim was denied, often, it’s because the claims department finds discrepancies between answers on an application and records that are obtained after the claim is made. One of the most common discrepancies is related to medical information.
Many Banner life insurance claim denials are based on a medical misrepresentation. However, the larger the life insurance policy the less likely this is to happen. With large policies Banner life insurance will gather all of the applicant’s medical records before they issue a life insurance policy. When a policy is of a smaller amount the insurer will often not request medical records – instead relying on the answers given on the application.
Another common discrepancy that will cause a Banner life insurance claim to be denied is financial information. In some instances an applicant may appear to have incorrectly stated their financial status – either income, net worth or both. Often times on life insurance applications financial information is based on ballpark figures, not exact numbers. This can be a reason for discrepancies that may cause a life insurance claim denial.
You Need a Life Insurance Expert to Win an Appeal
Our appeal efforts have recovered over $100 million for our clients from declined claims and we can do the same for you. As your representative we’ll protect your interests, not the insurers, and we’ll get your claim paid.
When you file a life insurance claim the insurance company doesn’t advise you to get a personal representative. They act for themselves — not the beneficiary. Their investigations look for reasons to deny claims. Some denials are justified… but many are not.
When a life insurance claim gets denied many people think their only option is to sue the insurance company. But a lawsuit shouldn’t be the first thing you do. The first thing to do is have your claim evaluated by an expert like us to determine if you can appeal the denial without a lawsuit. This will be faster and much less expensive than a lawsuit. If an Appeal isn’t successful then you can sue the insurer.
A life insurance Appeal starts with a new evaluation of all the facts surrounding the history of the insured, the application, medical records, arrest & driving records, accident reports and all other relevant evidence, by someone who knows what all of this evidence means. Rather than look for reasons to deny your claim, an appeal by your own representative will look for the reasons your claim should have been approved.
A proper appeal uses evidence to form the reasons why the claim should be paid. We find the evidence, we put it into a formal report and we work with the lawyers for the insurance company to get your claim overturned and paid.
*****YOU PAY NOTHING UNTIL YOUR CLAIM IS PAID!*****
Why Do Accidental Death Claims Get Denied?
For Banner life insurance policies covering accidental death and dismemberment benefits, an evaluation of the death certificate will be important. Accidental death claims are typically only payable if the death was the direct result of an accident. There cannot be any health issues contributing to the death. If it turns out that existing health issues contributed to an accidental death the Banner life insurance claim will likely be denied.
If an accidental death is the result of the insured’s blood alcohol exceeding the state’s legal limit, the Banner life insurance claim will be denied. This is known as an exclusion to coverage and will be stated in the policy. Likewise, if the toxicology report indicates an illegal substance, the claim will be denied.
How Do I Get My Banner Life Insurance Claim Paid?
Our experts file initial death claims and appeal life insurance claims after they’ve been denied. We do our own investigation, build a documented file, interview qualified experts, analyze records, write the appeal, and work with the insurer throughout the appeal process.
One must understand the underwriting process in order to understand the claims process. In many cases a life insurance claim was denied because the claim was not properly investigated. Important details aren’t known by the claims examiner when their decision is made. By ensuring that the facts surrounding a case are fully investigated and documented, the likelihood of getting your claim paid is maximized.
For an even more detailed discussion read our article: Six Reasons Your Contestable Life Insurance Claim Might Not be Contestable.
The Center for Life Insurance Disputes has over 30 years of experience in dealing with life insurance claims and a proven track record of recovering money for our clients. Don’t waste your time in a lawsuit. If you want your claim paid quickly, contact us now.
Free Telephone Consultation
1-888-428-4868
Banner Life Insurance Claim forms
Banner Life Insurance Complaint
Also Read:
How to Appeal a Denied Life Insurance Claim and Win!