Death Claim Denied by Transamerica Life
When a death claim is denied by Transamerica Life a letter is sent to the beneficiary with a brief reason why the claim was denied. There’s no long explanation. There won’t be a detailed guide on how to appeal the denied claim. There will simply be a reference to a state insurance department as an outlet. In order to challenge a denied death claim the beneficiary needs to gather their own information and seek well-informed advice.
Beneficiaries who have a death claim denied by Transamerica Life can get free advice and phone consultations from The Center for Life Insurance Disputes. The Center for Life Insurance Disputes has aided and represented the beneficiaries of denied death claims for more than thirty years.
There are essentially three options for fighting a denied death claim (read How to Fight a Denied Life Insurance Claim and Win).
- You can appeal the denial yourself.
- You can use an experienced firm to appeal for you.
- You can get a lawyer to file a lawsuit.
Each has its own good and bad aspects.
What is a Denied Death Claim Appeal?
An appeal of a denied death claim is when you take your argument and facts directly to the insurance company and ask that they re-evaluate the claim. It might seem like this won’t work if they already denied the claim, but there is a formal process for appeals and they are effective when done properly.
What is a Denied Death Claim Lawsuit?
A lawsuit involves using a lawyer to make legal arguments in a Court to try and convince a judge or jury to award you money from your claim.
Appeal vs Lawsuit
If you want to get your claim paid and focus on grieving and healing, filing an appeal is your best option.
If your goal is to punish the insurance company and protect other victims from bad faith, then a lawsuit will be the way to go.
Likewise, if you want to resolve the denied claim quickly, an appeal will be your best choice.
If you can handle legal challenges and a long wait, filing a lawsuit is probably the best option.
How Much Does it Cost to Appeal a Denied Death Claim?
The cost of fighting a denied death claim is another significant decision to consider between doing an appeal or a lawsuit to recover your claim money.
If you do your own appeal you won’t have any costs except the time you invest. It’s free to write an appeal to a denied death claim and submit it to the insurance company.
If you use a firm to do the appeal there should be no cost unless the appeal is successful.
We offer a unique 90-10 solution to recovering death claims. Claims are paid in ninety days at a low ten percent fee. We do not ask for any deposit or retainer.
The standard legal fee to appeal a denied death claim is forty percent (40%) plus expenses.
How to Submit a Death Claim Appeal to Transamerica Life
If Transamerica Life denied your death claim and you want to appeal, follow these steps, with additional actions depending on your claim and denial reason.
The Center for Life Insurance, nationally recognized experts, represents life insurance claim beneficiaries to ensure insurers pay their death claims. Here we offer guidance on how to submit a death claim appeal to Transamerica Life.
Start a Denied Death Claim Appeal Against Transamerica Life
- Get the Denial letter. It shows you the reason for the denial, highlights the challenged application answers, and identifies the source of other information.
- Get the same records the insurance company names in the denial letter. Medical records or others.
- Obtain the application the insured completed to secure the policy.
- Get the Final Death certificate. These can be purchased from the funeral home.
- Look for facts that dispute the reason the claim was denied.
- Make an outline of your argument.
- Reference facts, reports and eye-witness accounts.
- Write the appeal and send it by fax or certified mail to the proper Claims Department (group or individual).
- Keep copies of everything, including fax and mailing confirmations.
You should expect an answer to your appeal within 30-60 days.
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About Transamerica Life Insurance Company
A major life insurer like Transamerica Life sells tens of thousands of new life insurance policies every year. They take in hundreds of millions of dollars in new premiums each year and billions of dollars of total premiums. They sell life insurance policies directly to people through agents and employers.