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life insurance attorney, life insurance lawyer, life insurance claim denial

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

life insurance attorney, life insurance lawyer, life insurance claim denialLead 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.

Incontestability

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.

Pre-Existing Conditions

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.

Dealing With Life Insurance Claim Denial?

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What Our Clients Say

  • Mr. Quiat was very specific about my options, chances of a successful appeal, and the costs of same. We did discuss the possibility of taking […]

    ~ Kevin

    unum disability claims
  • Mr. Quiat, and his Team were able to re-instate my disability benefits discontinued by Aetna Insurance. Mr. Quiat was always available, and responded quickly to […]

    ~ Carlos

    unum disability claims
  • Mr. Quiat . Is thorough , pleasant to work with . He exhibits complete competency of his profession . I would highly recommend him . […]

    ~ Insurance Client

    unum disability claims
  • Mike took the time in our initial meeting to truly understand my situation and what I was up against. He listened to my concerns and […]

    ~ Kevin

    unum disability claims
  • As I was facing some of the most difficult times of my life with seemingly no way out, I was most fortunate to meet Michael […]

    ~ Long Term Disability Client

    unum disability claims
  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew that […]

    ~ Arbitration Client

    unum disability claims
  • GREAT ADVOCATE, CARING, HIGHLY ATTENTIVE, NOT GREED DRIVEN.
    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
  • TOP OF THE LIST OF ATTORNEYS Mr. Quiat responded to all of my phone calls and emails in a timely manner. Mr. He is very […]

    ~ Insurance Client

    unum disability claims
  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

    unum disability claims
  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

    ~ Insurance Client

    unum disability claims
  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

    ~ LTD Client

    unum disability claims
  • WE NEVER HAD TO GO TO COURT Mr. Quiat took over the case, and, due to a combination of his meticulous attention to detail in […]

    ~ Insurance Client

    unum disability claims
  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

    unum disability claims
  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

    ~ Insurance Client

    unum disability claims
  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but also […]

    ~ Insurance Client

    unum disability claims
  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

    ~ Insurance Client

    unum disability claims
  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

    ~ Insurance Client

    unum disability claims
  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

    ~ Employee Benefits Client

    unum disability claims
  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

    unum disability claims
  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

    ~ Arbitration Client

    unum disability claims
  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

    ~ Insurance Client

    unum disability claims
unum claims New York ERISA Attorney

Professional Affiliations

  • unum disability claims
  • unum claims
  • American Bar Association
  • Avvo
  • Martindale
  • NYC Bar
  • NJSBA
  • Bergen Bar

Areas Served :

Proudly serving all of New York and New Jersey.