Life insurance is an important tool that allows us to continue supporting our loved ones financially when we are no longer there to support them ourselves. Life insurance can provide policyholders with the considerable peace of mind that comes from knowing their survivors are covered, and it’s important they know that their life insurance policies will do what they are intended to do. When a beneficiary faces a life insurance claim denial, an experienced life insurance claims attorney in San Jose can help.
Life insurance companies have two years from the issuance of a life insurance policy (known as the contestability period) to deny a claim for information that it deems to be misrepresentative – whether due to oversight, error, or fraudulence. After this contestability period, the life insurance company cannot deny the claim for erroneous information unless it can prove fraudulence on the part of the policyholder. The kind of misrepresentation that can lead to denied claims (or that can void policies altogether) includes the following:
The fact is that life insurance policies can be exceptionally challenging to complete correctly, and mistakes can be made – often as a result of ambiguous instructions and overall wording. If your claim has been denied for misrepresentation, discuss protecting your rights with a dedicated life insurance attorney.
When it comes to life insurance claims in the State of California, there are several important legal rules that apply, including:
Your loved one made the responsible choice and purchased life insurance that lists you as a beneficiary, and if your claim is denied at this difficult juncture, it can be especially challenging. The compassionate life insurance claims attorneys at Roberts Disability Law, P.C., in San Jose recognize the gravity of your situation and are well equipped to skillfully advocate for your claim’s most favorable resolution. For more information about how we can help, please don’t wait to contact us today.
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