Five Common Reasons Life Insurance Claims Are Denied - And How to Fight Back

FORT LAUDERDALE, Fla., March 27, 2025 /PRNewswire/ -- The Law Offices of Jason Turchin, a national leader in life insurance litigation, is raising awareness about the most common reasons life insurance claims are denied and how beneficiaries can fight back.

"Insurance companies don't always make it easy for families to collect what they're owed," says Jason Turchin, Esq., a life insurance attorney who has handled hundreds of denied claim cases. "Many denials are based on technicalities or incomplete investigations, but that doesn't mean the claim is over."

Top 5 Reasons Life Insurance Claims Are Denied

1. Misrepresentation on the Application – Insurers may claim the policyholder provided false or incomplete information when applying, such as omitting medical history or smoking status.
    
2. Lapsed Policy Due to Nonpayment – If premiums weren't paid, the insurer might argue the policy was no longer active at the time of death.
    
3. Cause of Death Exclusions – Some policies exclude certain causes of death, including suicide within the first two years or deaths from high-risk activities.
    
4. Contestability Period Denials – If the policyholder dies within two years of the policy's start, the insurer may review the application for any reason to avoid paying.
    
5. Beneficiary Disputes – Conflicting beneficiary claims or unclear designations can delay or derail a payout.

What Can Beneficiaries Do?

Beneficiaries do not have to accept a denial. Legal action may be available to challenge or overturn the decision. The Law Offices of Jason Turchin helps families:

• Review the denial letter and policy
   
• Collect supporting documents and evidence
   
• Communicate with the insurance company
   
• File an appeal or lawsuit if necessary

"We've helped many families recover life insurance benefits they were originally denied," says Turchin. "Don't always assume the insurance company's word is final."

Contact the Law Offices of Jason Turchin

If your life insurance claim was denied, contact the Law Offices of Jason Turchin for a free consultation at (800) 337-7755 or visit www.jasonturchin.com.

About the Law Offices of Jason Turchin

The firm handles life insurance appeals, denied claims, and beneficiary disputes nationwide. Jason Turchin, Esq. has been featured in CBS Evening News, Forbes, and Rolling Stone for his work in consumer protection.

SOURCE Law Offices of Jason Turchin