Insurers treat life insurance claims differently depending on the time when a death occurred Should a death occur within 2 years after a life insurance policy was issued, it may be contested by an insurer including an investigation. Such aspects of the life insurance policy will scrutinized as existing pre-condition or any fraud possibilities. After 2 years an insurer would typically pay but it still can investigate case details.
If your policy has been denied, there are several steps that you should go through:
- Make sure that your adjuster has all the information and there was no misunderstanding.
- Try to clarify the situation with the claim manager, to make sure that all conventional ways are resolved
- Contact an ombudsman that will look in details into your situation.
- If there is no positive solution, you can engage a lawyer to represent your interest in court. Typically, lawyers will work on the commission basis and be paid if they are successful with your case.
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