Your Claim Was Denied — But That Doesn't Mean It's Over
When a life insurance company denies a valid claim, they are counting on you to give up. The Voss Law Firm fights wrongful denials and forces insurers to pay the benefits your family was promised.
(260) 239-4029Fill out the form below and an attorney will review your case at no cost.
Insurance companies deny life insurance claims for a wide range of reasons — many of which are unfounded or exaggerated. Common denial reasons include alleged material misrepresentation on the application, death occurring during the contestability period, policy exclusions such as suicide clauses, lapsed policies due to non-payment of premiums, and disputes over the named beneficiary. In many cases, the insurer's stated reason for denial does not hold up under legal scrutiny. Insurance companies have teams of lawyers and adjusters whose job is to find any reason to deny or reduce a payout. That is why you need an experienced life insurance attorney who understands their tactics and knows how to fight back.
Most life insurance policies include a two-year contestability period starting from the date the policy was issued. During this window, the insurance company has the right to investigate the application and potentially deny a claim based on alleged misrepresentations. However, even during the contestability period, insurers must prove that the misrepresentation was material — meaning it would have changed the insurer's decision to issue the policy. Many denials during this period are based on minor or irrelevant inaccuracies that do not meet the legal standard for rescission. The Voss Law Firm has extensive experience challenging contestability-based denials and recovering full policy benefits for our clients.
If your life insurance claim has been denied, time is critical. You should immediately request the complete claim file from the insurance company, including all internal notes, correspondence, and the specific reason for denial. Do not accept the denial at face value or sign any settlement offers without legal review. Contact an experienced life insurance attorney as soon as possible. There are strict deadlines for appealing a denial, and the earlier you act, the stronger your position will be. The Voss Law Firm offers free case evaluations and can quickly assess whether you have grounds to challenge the denial.
At The Voss Law Firm, we take an aggressive, strategic approach to every denied claim. We begin with a thorough review of the policy, the denial letter, and all supporting documentation. We then build a comprehensive legal strategy that may include filing administrative appeals, demanding the full claim file under applicable state and federal laws, engaging expert witnesses, and pursuing litigation when necessary. Our goal is always to recover the full policy benefits — plus any additional damages available under the law, including bad faith penalties, attorney fees, and statutory damages.
If your life insurance claim has been denied, delayed, or underpaid, contact us today. We'll review your case at no cost and no obligation.
(260) 239-4029"After my husband passed, his life insurance company denied our claim citing a 'material misrepresentation.' I was devastated. The Voss Law Firm took our case and recovered every penny we were owed. I can't thank them enough."
Sarah M.
Houston, TX
$1.2M RecoveredTime limits may apply to your denied life insurance claims case. The sooner you contact an attorney, the stronger your position will be. Fill out the form for a free, no-obligation case evaluation.
Free consultation. No obligation. Contingency fee — you pay nothing unless we win.
Fill out the form below and an attorney will review your case at no cost.