Lafayette Life Insurance claim was denied?
When you file a life insurance claim the insurance company won’t advise you to get a personal representative. They’ll act for themselves — not you. When they can, they’ll do an investigation and look for reasons to deny the claim. 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 and 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. And, rather than look for reasons to deny your claim, an appeal evaluation by your own representative will look for reasons to approve your claim.
A proper appeal uses the evidence to form the reasons why the claim should be paid, is put into a report with conclusions from consulting experts and, presented to those people at the insurer who evaluate death claim appeals (it’s not the claim examiners).
We evaluate and appeal denied life insurance claims for beneficiaries. We’ve recovered over $85 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.
Our Experience Gets Your Claim Paid Quickly
Lafayette Life insurance claims can be denied for a long list of reasons; medical, financial and criminal history are some of the more common reasons. We’ve worked on all of these claim situations. And, we’ve gotten millions of dollars paid to our clients even after their life insurance claims were denied.
Just because a Lafayette Life insurance claim was denied doesn’t mean that the matter is finished. If new information is found, the claim can be appealed and paid. That’s where we make results happen for our clients. Anything is possible as to what leads to a claim denial. Therefore, everything needs to be investigated.
And, it needs to be done quickly so you can get your money and move-on. When we accept a new client we act immediately to get the facts necessary to win the appeal. You won’t wait years the way you would in a lawsuit. We resolve our client’s claims within weeks.
A Lapsed Policy Can Pay a Claim
Another reason that a Lafayette Life Insurance claim gets denied is when a policy lapses. We’ve had situations where the policy lapsed just days before the insured died. Does this mean the claim gets denied? Maybe, but in our 30 years of experience we’ve worked on many lapsed policy claims and we’ve gotten many of these claims paid because there are exceptions. For example, holidays may have delayed the mail, auto-drafts may not have transferred on-time, or after dropping off a check with an agent the agent forgot to notify the insurer.
When we take on a new client we investigate everything that’s important to the claim. This includes the events of the application, the medical history, the way the claim was handled by the insurer, and many, many other important facts. This is the best way to get denied life insurance claims overturned and paid. You can hire an attorney to argue all day long that a claim deserves to be paid. How we are different is we prove why a claim deserves to be paid. That’s why our clients always get a 100% payout. No settlements of 50% or 75%. Our clients get all their money.
For an even more detailed discussion read our article: Six Reasons Your Contestable Life Insurance Claim Might Not be Contestable.
If Lafayette Life insurance has told you there’s no coverage because the policy lapsed, call us for a free evaluation.
Over $85 million of Denied Life Insurance Claims Paid
We’re the premier life insurance claim firm for anyone whose claim has been wrongly denied or for those beneficiaries being strung along waiting for their claim to be paid. Aggressive representation by experienced professionals who only represent life insurance beneficiaries. That’s us. Whether it’s Lafayette, Accordia or any other life insurance claim denial… we can get your claim paid.
Phone: 1-888-428-4868
Also read: How to Appeal Denied Life Insurance Claims