Five Common Reasons Life Insurance Claims Are Denied
FORT LAUDERDALE, Fla., March 27, 2025 /PRNewswire/ — The Law Offices of Jason Turchin, a national leader specializing in life insurance litigation, is raising awareness about the most frequent reasons life insurance claims are denied and the steps beneficiaries can take to challenge these denials.
“Insurance companies do not always make it easy for families to collect what they are owed,” said Jason Turchin, Esq., a life insurance attorney who has handled hundreds of denied claim cases. “Many denials are based on technicalities or incomplete investigations, but that doesn’t mean the claim is over.”
Top 5 Reasons Life Insurance Claims Are Denied:
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Misrepresentation on the Application – Insurers might claim the policyholder provided false or incomplete information during the application, such as omitting pertinent medical history or smoking status.
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Lapsed Policy Due to Nonpayment – If premiums were not paid, the insurer may argue the policy was no longer active at the time of death.
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Cause of Death Exclusions – Some policies exclude certain causes of death, including suicide within the first two years or deaths resulting from high-risk activities.
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Contestability Period Denials – If the policyholder dies within two years of the policy’s start date, the insurer may review the application for any reason to potentially avoid paying.
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Beneficiary Disputes – Conflicting beneficiary claims or unclear beneficiary designations can delay or derail a payout.
What Can Beneficiaries Do?
Beneficiaries are not required to accept a denial. Legal action may be available to challenge or overturn the insurance company’s decision. The Law Offices of Jason Turchin assists families by:
- Reviewing the denial letter and the policy.
- Gathering supporting documents and evidence.
- Communicating with the insurance company.
- Filing an appeal or lawsuit if needed.
“We’ve helped numerous families recover life insurance benefits that were initially denied,” Turchin stated. “Do not always assume the insurance company’s word is final.”
Contact the Law Offices of Jason Turchin
If your life insurance claim has been denied, reach out to the Law Offices of Jason Turchin for a no-cost consultation at (800) 337-7755 or visit www.jasonturchin.com.
About the Law Offices of Jason Turchin
The firm handles life insurance appeals, denied claims, and beneficiary disputes across the nation. Jason Turchin, Esq. has been cited in publications such as CBS Evening News, Forbes, and Rolling Stone for his efforts in consumer protection.
