Life Insurance Attorney in NJ
New Jersey Life Insurance Attorney
Adding the burden of wrongfully denied insurance proceeds to the grief of a death can overwhelm a surviving beneficiary. But, you must stand up and fight the insurance companies for payment of death benefits bought and paid for by the deceased in a life insurance policy. And with an experienced life insurance attorney, you can do so with confidence. A New Jersey life insurance lawyer at UQU&R can help you with a life insurance claim denial.
Experienced Advocacy For You At A Most Vulnerable Time
Free Initial Consultation: 1-800-797-5575
Lead New Jersey life insurance attorney Mike Quiat has been litigating denied life insurance claims for more than 30 years. He knows the insurance carriers and how they operate from hard in the trenches experience.
So, if you lose a loved one, rest assured that life insurance lawyer Mike will fight to get full and timely policy benefits for you. Moreover, he will do so in a compassionate “client-oriented” way.
Denial of Life Insurance Claims
With major dollars on the line in a life insurance payout, insurance companies rely on the “wimp” factor. They look for any excuse to deny death benefits to beneficiaries. For example, they may look at cause of death. Our UQUR life insurance attorney represented the family of a person who had high altitude pulmonary edema “HAPE”, a rare medical condition. This person died of a seizure aboard a commercial carrier. The policy language covered only death by “natural causes“. The insurer claimed the cause was “accidental death” brought on by high altitude. After research by UQU&R’s legal team found that this precise issue had been decided against an insurance carrier in a similar case in California, the insurer paid the claim.
An insurance company may deny life insurance claims because of omitted facts or misstated information on the application for insurance. UQU&R argues incontestability if the information was provided in good faith and the carrier continued to collect premiums for several years without noticing the errors. The insurers must prove intentional fraud to cancel coverage.
Many insurance companies, when faced with paying out on a life policy, deny benefits because they say that the deceased concealed a medical condition when applying for the policy so as to qualify for coverage. UQU&R has won policy payouts with the counter-argument of post-claim underwriting: that is, that the insurance carrier was happy to take the deceased’s premiums without checking available data, and only scrutinized medical information after a claim was filed.
Responsive Legal Representation With a NJ Life Insurance Lawyer: 1-800-797-5575
Insurance companies have very little sympathy for policy beneficiaries. This is coupled with a strong inclination to deny claims if they can dream up any kind of excuse to do so. And, you can be sure they are very good at dreaming.
UQU&R does care for people. Therefore, our life insurance attorney fights hard to secure the life insurance benefits clients desperately need. He will subsequently do everything he can to fight a life insurance claim denial.
UQU&R attorneys promptly return phone calls; moreover, they take the time to examine your policy and explain your rights. Contact our insurance attorneys for a no-cost, experienced examination of your policy language and the merits of your case.