Common Reasons for Life Insurance Claim Denials in New York
Life insurance claims often face unjust denials, depriving beneficiaries of financial support during difficult times. At Johns Law Group, we are committed to advocating for policyholders and their families, challenging insurers when claims are denied or delayed.
- Incomplete Documentation: Missing critical documents, such as death certificates or unclear policy terms, is a frequent reason for claim rejections. Our attorneys assist clients in compiling and submitting the required paperwork to ensure claims are evaluated fairly.
- Lapsed Premium Payments: Claims may be denied if premiums are unpaid. However, insurers are obligated to provide proper notice before canceling a policy. We meticulously review these details to uncover mistakes and recover denied benefits.
- Policy Exclusions: Insurance policies often include exclusions for specific circumstances, such as suicide, dangerous activities, or alleged misrepresentations in the application. Our legal team carefully examines the terms of your policy and the denial circumstances, challenging exclusions that are misapplied or unfair.

Steps to Take When Your Life Insurance Claim is Denied or Delayed
If your claim is denied or delayed, it’s essential to take prompt action:
- Understand the Denial: Carefully review the denial letter to identify the reasons for rejection.
- Gather Documentation: Collect the life insurance policy, all communications with the insurer, and supporting documents for your claim.
- Seek Legal Counsel: Contact Johns Law Group for a comprehensive case assessment.
Our experienced attorneys will analyze your claim, identify errors or bad-faith practices, and build a strong case to challenge the insurer’s decision.
What to Expect When You Work With Us
At Johns Law Group, we take a proactive approach to life insurance disputes. Our lawyers:
- Thoroughly review your policy to identify inconsistencies or misinterpretations.
- Communicate directly with the insurer to address wrongful denials.
- Pursue litigation, if necessary, to secure the benefits you’re entitled to.
With a proven track record, our firm ensures that every client receives personalized attention and tenacious advocacy throughout the legal process.
The Life Insurance Claim Process
Filing a life insurance claim requires careful adherence to procedural steps:
- Notify the insurer of the policyholder’s death.
- Provide essential documents, including the death certificate and policy details.
- Submit a formal claim and allow the insurer time to process it.
Delays or disputes can prolong the process, but Johns Law Group is here to expedite resolutions, ensuring your claim is handled efficiently.
Defending Beneficiary Rights for YOU
With combined experience of decades, Johns Law Group has been a trusted advocate for New York beneficiaries. Our attorneys specialize in resolving complex disputes, overturning denials, and recovering life insurance proceeds quickly and effectively.
Our client-centered services operate on a contingency fee basis, meaning you pay nothing unless we win your case. Your success is our priority, and we are dedicated to securing the financial relief you deserve.
Identifying and Combating Insurance Scams or Bad Faith Practices
Dishonest practices by insurers, such as bad faith denials or unethical sales tactics, can jeopardize rightful claims. At Johns Law Group, we protect clients from these predatory actions.
- Indexed Universal Life Insurance (IUL): Misleading marketing often promises high returns, leaving beneficiaries facing denied claims. We review these complex policies and challenge any unfair practices.
- Churning Scams: Frequent policy switching, encouraged by agents seeking higher commissions, can reduce benefits or invalidate claims. Our attorneys investigate these cases to recover the full value of your policy.
- Bad Faith Practices: Insurers may delay or unjustly deny valid claims. We hold these companies accountable, ensuring that clients receive their rightful benefits.
Contact Johns Law Group Today
If your life insurance claim has been denied or delayed, don’t wait to act. Contact Johns Law Group today for expert legal representation. Our skilled attorneys will work tirelessly to secure the compensation you are entitled to as a beneficiary.