Louisville Lawyers for Life Insurance Claim Denials

We Can Help You Seek a Better Outcome

Dealing with a life insurance claim denial can be a deeply frustrating and stressful experience. It can feel like a betrayal, especially after a significant investment went into maintaining the policy. Whether due to complex policy language, alleged misrepresentation, or another reason, the denial can turn a difficult time into an even more daunting challenge, but there can be hope for a better outcome. 

Our legal team at Brownfield Dufour PLLC is here to help you appeal a denied insurance claim and advocate for a different solution. We have extensive experience handling life insurance disputes and can thoroughly review your policy and the reasons for denial and challenge the insurer’s decision. We can also negotiate on your behalf or take greater legal action if necessary. 

As experienced life insurance claim denial lawyers in Louisville, we are committed to pursuing all viable options that can help you receive the benefits you need during this difficult time. 

Send us a message or call (502) 822-5584 today to request a free initial consultation.

Why Was My Life Insurance Claim Denied? 

There are several reasons why a life insurance company may deny a claim. Various factors can contribute to a life insurance claim denial, and understanding these can help you prepare to appeal the decision. 

Consider the following common reasons why insurers deny claims: 

• Non-disclosure or misrepresentation: If the policyholder fails to disclose certain medical conditions, lifestyle choices, or other relevant information when applying for the policy, the insurance company may deny the claim. 
• Lapsed policy: If the policyholder missed premium payments and the policy lapsed, the insurance company may refuse to pay out the claim. 
• Contestability period: If the policyholder passes away within the contestability period (typically the first two years of the policy), the insurer may investigate the claim more thoroughly and deny it if discrepancies are found. 
• Cause of death exclusions: Some policies have specific exclusions, such as death resulting from risky activities, suicide within a certain period, or illegal activities, which can lead to a denied claim. 
• Beneficiary issues: If the designated beneficiary is not valid or there is a dispute among potential beneficiaries, the insurance company may withhold the payment until the issue is resolved. 

If the insurance company cites one of these or another reason for your claim denial, it’s not always the final answer. Our attorneys for life insurance claim denials in Louisville can provide the personalized legal representation you need to appeal the decision and fight for important benefits. 

We Can Help If Your Claim Was Denied in Bad Faith 

Insurance companies are expected to act in good faith, but sometimes they fail to uphold this responsibility, leading to unfair denials. A bad faith insurance claim denial occurs when an insurer intentionally delays or denies legitimate claims to limit or deny benefits. 

Here are some common signs that your claim may have been denied in bad faith:

• Lack of a valid reason: The insurer fails to provide a clear and legitimate reason for the denial.
• Unreasonable delays: The company unnecessarily prolongs the claim process without justification.
• Misrepresentation of facts: The insurer distorts or misinterprets information to deny your claim.
• Failure to investigate: The company fails to properly investigate your claim. 

If your claim has been denied in bad faith, you can challenge the decision and seek the compensation you deserve. Brownfield Dufour PLLC can offer the legal advice and services you need when insurers fail to abide by their own policies.

Contact Us for a Free Consultation 

Legal representation can provide you with the support you need to fight against a life insurance claim denial. At Brownfield Dufour PLLC, we value putting our clients’ needs ahead of all else, ensuring they can receive the representation they need to address their concerns and goals. 

For more information about how we can help you, contact us to arrange a free consultation.