FORT LAUDERDALE, Fla. – March 27, 2025 – The Law Offices of Jason Turchin, a prominent firm specializing in life insurance litigation nationwide, is drawing attention to the most frequent justifications used by insurance companies to deny claims and offering insights into how beneficiaries can challenge these decisions.
“Insurance companies don’t always make it easy for families to collect what they’re owed,” stated Jason Turchin, Esq., a life insurance attorney with extensive experience in handling hundreds of denied claim cases. “Many denials are based on technicalities or incomplete investigations, but that doesn’t necessarily mean the claim is over.”
Top 5 Reasons Life Insurance Claims Are Denied
Here are some of the most common reasons life insurance claims are denied:
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Misrepresentation on the Application – Insurers may assert that the policyholder provided inaccurate or incomplete information during the application process, such as omitting details about medical history or smoking habits.
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Lapsed Policy Due to Nonpayment – The insurer may argue that the policy was no longer active at the time of the policyholder’s death due to missed premium payments.
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Cause of Death Exclusions – Certain policies exclude coverage for specific causes of death, including suicide within the first two years of the policy or deaths resulting from high-risk activities.
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Contestability Period Denials – If the policyholder passes away within the first two years of the policy’s start date, the insurer may scrutinize the application for any reason to avoid payment, a period referred to as the contestability period.
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Beneficiary Disputes – Conflicts among beneficiaries or unclear beneficiary designations can lead to delays or denials of payouts.
What Can Beneficiaries Do?
Beneficiaries are not obliged to accept a denial of their claim. Legal action may be an option to contest or reverse the decision. The Law Offices of Jason Turchin assists families by:
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Analyzing the denial letter and the insurance policy.
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Gathering supporting documentation and evidence relevant to the claim.
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Communicating with the insurance company on behalf of the beneficiary.
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Initiating an appeal or filing a lawsuit if necessary.
“We’ve helped many families recover life insurance benefits that were initially denied,” Turchin added. “Don’t assume the insurance company’s decision is the final word.”
Contact the Law Offices of Jason Turchin
If your life insurance claim has been denied, the Law Offices of Jason Turchin invites you to contact them for a complimentary consultation. You can reach them at (800) 337-7755 or visit their website at www.jasonturchin.com.
About the Law Offices of Jason Turchin
The firm focuses on life insurance appeals, denied claims, and beneficiary disputes across the United States. Jason Turchin, Esq., has received recognition from prominent media outlets, including CBS Evening News, Forbes, and Rolling Stone, for his work in consumer protection.
