When a loved one dies and the life insurance company denies the claim, surviving family members face financial hardship at one of the worst possible times. These denials are often wrongful, and GroverLawKC fights to make sure families receive the benefits their loved ones paid for.
Common Reasons for Life Insurance Denials
Life insurance companies deny claims based on alleged misrepresentation on the original application, policy exclusions for certain causes of death, failure to pay premiums, disputes about beneficiary designations, and allegations of suicide (when the policy excludes suicide). Many of these denials are improper or can be successfully challenged with the right legal representation.
Insurance companies have a financial incentive to deny claims. When they do so without a legitimate legal basis, their conduct may constitute bad faith — subjecting them to additional damages beyond the policy amount.
Bad Faith Insurance Practices
An insurance company that unreasonably delays or denies a valid life insurance claim may be acting in bad faith. In Missouri and Kansas, insurers are required to handle claims fairly and promptly. Bad faith practices can result in liability for the policy amount plus additional damages including attorney's fees and punitive damages in egregious cases.
Our attorneys review denied life insurance claims carefully, identify the basis of the denial, and evaluate the strength of a challenge — whether through a formal appeal, a bad faith claim, or litigation.
Get Help With Your Life Insurance Claim
If a life insurance claim has been denied in connection with a Kansas City death, call GroverLawKC at (816) 533-3969. We offer free consultations and handle life insurance claims on a contingency basis. No fees unless we recover benefits for you.
Ready to Discuss Your Case?
If you or a loved one was injured in Kansas City or Overland Park, contact GroverLawKC today. The consultation is free, and there are no fees unless we win.