Protect Your Interests In Life Insurance Claim Disputes
Last updated on May 13, 2025
Losing a loved one is difficult enough. Trying to get life insurance coverage should not add to your troubles. Sadly, even in our most difficult and vulnerable moments, insurers try to find ways to delay or deny the payments you are owed. At MGW Law, we understand that you are enduring an emotionally trying time after losing a loved one. We aim to help you pursue life insurance coverage to stay financially afloat after your loss.
Bad Faith Tactics Used By Life Insurers
Those who provide life insurance aren’t immune from using bad faith tactics to deny coverage. Some common moves include:
- Flip-flopping on what your policy covers
- Denying your claim outright
- Trying to pressure you into taking a lowball settlement
- Refusing to communicate updates over policy changes
- Delaying your claim for an unreasonable amount of time
- Taking part in post-claim underwriting
You should never have to deal with this when trying to receive coverage for your life insurance. Call us today at 920-383-3911. We can help you pursue the support you need.
How We Can Support You With Life Insurance Claims
Here are a few of the different things we can handle for you:
Beneficiary Disputes And Delayed Payouts
Life insurance claims often encounter unreasonable delays and disputes over beneficiary entitlements. Insurers may try to withhold legitimate death benefits, leaving beneficiaries afraid and uncertain. We are committed to addressing these issues to ensure your life insurance provider pays you the appropriate amount on time. We understand Wisconsin’s reasonable claims handling timelines and will fight tirelessly for your rights.
Material Misrepresentation Allegations
Post-claim underwriting and allegations of material misrepresentation can make insurers deny your claim unjustly. They may rescind policies based on minor application errors or disputes over medical history after the policyholder’s death. We can challenge these practices and manage the burden of proof appropriately to ensure your claim is not wrongfully denied.
Contestability Period Investigations
During the contestability period, insurers often conduct aggressive investigations. However, there are proper and improper ways to conduct them. We can help determine whether their approaches are appropriate and hold them accountable if they are not.
Suicide Exclusion Misapplication
If a life insurance policy improperly utilizes suicide clauses, that could complicate claims. We can address the burden of proof in suicide determination cases and advocate for fair treatment in accidental death versus suicide disputes. Our team understands Wisconsin’s laws regarding suicide exclusions and will fight tirelessly to protect your interests.
Lapsed Policy Disputes
Disputes over lapsed policies can stem from grace period violations and premium payment issues. We can handle notice of cancellation requirements and reinstatement requests and address bank errors and automatic payment failures.
Policy Interpretation Issues
Ambiguous policy language and bad faith application of exclusions can undermine your claim. We can ensure your policy’s full face value gets paid. We can also challenge rider and supplemental benefit denials. That way, you can know if insurers are interpreting your policies fairly.
Employer-Provided Life Insurance Issues
Employer-provided life insurance claims may involve ERISA regulations and potential issues with conversion rights. We can tackle portability option disputes and evidence of insurability problems. That way, you can feel at ease knowing your employment status won’t unfairly affect your coverage.
Accidental Death Benefit Denials
Insurers may have a narrow interpretation of what “accidental death” means, citing preexisting condition exclusions or hazardous activity clauses. We challenge alcohol and substance exclusion disputes. That way, you can ensure causation is fairly assessed in accidental death claims.
Get The Support You Need Today
While coping with the loss of a loved one, the last thing you should have to deal with is your life insurance provider refusing to cooperate. You don’t have to face them alone. Contact us today, and we will help you hold your insurer accountable and seek the benefits you deserve. You can do so by calling 920-383-3911 or visiting our contact page.