Dealing with a denied life insurance claim can be overwhelming, leaving beneficiaries uncertain about their next steps. At Johns Law Group, our experienced life insurance attorneys in Connecticut help clients navigate complex insurance disputes and fight wrongful claim denials.
If your claim has been denied, our legal team can review the details, identify errors or bad faith practices, and advocate for a fair resolution. Time is crucial—contact us today to learn how we can help you recover the benefits you deserve.
Common Reasons for Life Insurance Claim Denials in Connecticut
Lapsed Policy Due to Nonpayment
Life insurance coverage depends on regular premium payments. If payments are missed, the policy may lapse, leading to a denied claim. However, insurance companies and employers sometimes fail to follow state regulations when terminating coverage, meaning the lapse was not the policyholder’s fault.
If your claim was denied due to a policy lapse, we may be able to help you recover the benefits. Call us today for a case review.
Retroactive Cancellation for Alleged Misrepresentation
When applying for life insurance, policyholders must provide personal and medical information. If any details are incorrect or omitted—whether intentional or not—insurers may later claim misrepresentation and cancel the policy retroactively after death.
If your claim was denied for this reason, Johns Law Group has successfully challenged these cancellations and secured payouts for many clients. Contact us to discuss your case.
Exclusions Listed in the Policy
All life insurance policies include exclusions—specific circumstances under which coverage is not provided. Common exclusions include:
- Suicide
- Acts of war or terrorism
If an insurer attempts to deny your claim based on an exclusion, our attorneys will investigate the circumstances to determine whether the exclusion truly applies. In many cases, we can prove otherwise and help beneficiaries receive their rightful benefits.
Death Occurred Outside the U.S.
When a policyholder passes away in another country, insurers often delay or deny claims due to incomplete foreign death certificates or missing documentation. This can result in unfair payment delays for beneficiaries.
If your claim is being delayed for this reason, we can help speed up the process—and the insurance company may owe you interest on the delayed payment.
Beware of Insurance Scams & Bad Faith Tactics
Unfortunately, some insurers use unfair tactics to deny or reduce payouts. Here are common red flags to watch for:
Indexed Universal Life (IUL) Scams
IUL policies are marketed as investment opportunities with returns tied to financial indexes like the S&P 500. However, many policyholders do not realize these policies come with hidden fees and unpredictable returns.
If you were misled into purchasing an IUL policy, you may have legal options. Contact us for a consultation.
Churning Scams
Some agents convince policyholders to replace existing policies with new ones by claiming they offer better terms. In reality, these policy changes often result in:
- Higher premiums
- Lost benefits
- Lapsed coverage
If you suspect you were pressured into an unnecessary policy switch, our attorneys can help you fight back.
Bad Faith Claim Denials
Insurers sometimes unfairly delay or deny claims to avoid paying beneficiaries. Common bad faith tactics include:
- Unreasonable delays in processing claims
- Offering lower payouts than what is owed
- Denying valid claims without proper justification
If you believe your claim was wrongfully denied, Johns Law Group can help you fight for the full benefits you are entitled to.
How Johns Law Group Can Help with Your Life Insurance Claim
Many beneficiaries have never worked with a life insurance attorney before. Here’s how we assist our clients:
✔ Review the life insurance policy to determine coverage and exclusions
✔ Analyze the denial letter to understand the insurance company’s reasoning
✔ Investigate insurer allegations regarding nonpayment or misrepresentation
✔ Negotiate with the insurance company for a fair settlement
✔ File a lawsuit if necessary when an insurer acts in bad faith
Insurance Companies Prioritize Profits—We Prioritize You
Life insurance companies employ teams of lawyers and experts to minimize claim payouts and protect their bottom line. At Johns Law Group, we fight back to ensure you receive the benefits your loved one intended for you.
Contact a Connecticut Life Insurance Attorney Today
If your life insurance claim has been denied or delayed, don’t wait. The attorneys at Johns Law Group are ready to help you recover the death benefits you are owed.
📞 Call (866) 970-0977 for a Free Consultation.