By   March 21, 2017

As a matter of fact, life is uncertain. And the most trying phase of life is when your loved one dies. You have to bear the psychological pain of losing your loved one. People now purchase the insurance policies to ensure that after death they are not creating financial harm to their loved ones. But sometimes the insurance companies refuse to pay the amount. In this case, you can hire a life insurance attorney to get legal assistance. In this article, we will discuss what should you do in case of Life Insurance Claim Denied.

Life Insurance Claim Denied

Introduction:

When your loved one passes away, you have to do many things. Though you are suffering from the loss of losing someone but you have to do many things including paying medical expenses and preparing for the funeral. If the deceased had purchased a life insurance policy, then you can pay all the expenses from that amount.

Life insurance policy is a contract in which a person pays a certain sum of money as the premium to the company. And on the maturity or death of the insured person, the company pays a specific amount.

But sometimes companies do not pay the insured amount on the grounds of doubt. The problem arises when the insurance companies when companies deny a life insurance claim by alleging the insured has committed suicide.

So what you should do in case of Life Insurance Claim Denied. As a matter of fact, you can consult a life insurance attorney to get legal assistance. He/ she is an expert in the field so he/she will guide you how to take your money back.

File A Lawsuit:

As we have discussed earlier that sometimes in the case of life insurance the companies refuse to pay the amount. They doubt that the insured has not died a natural death. In fact, they think that the insured has committed suicide. But you do not need to worry as you can file a lawsuit against the company. You should hire an attorney who will help you to get the claim. To file a lawsuit against the insurance company you need the multiple original copies of death certificate. You can get these copies from the funeral director.

Then you should contact the insurance agent to get the details about the claim process. The agent will guide you about the paperwork you need to do to file a claim. After completing the paperwork file it with the insurance company.

The insurance companies include a clause in the contract that the insured will not get any financial benefit if he/she commits suicide. So in the case of the insured commits suicide, you will not receive any amount from the insurance company. But the insured has not committed suicide, and still, the company is not paying you the amount then you should consult the life insurance attorney. He/she is the person who can help you to get the claim from the insurance company.