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For many people, a life insurance policy gives peace of mind that loved ones will be taken care of financially. However, some life insurance companies try to avoid large life insurance payouts by abusing and misusing contestability clauses in life insurance contracts.
When a person purchases a life insurance policy, there is a two-year time window after the policy goes into effect during which the insurer can investigate and/or contest life insurance claims. After the initial two years, insurance companies are not allowed to deny life insurance claims unless the insured specifically violates terms of the contract. The contestability period exists to prevent people from committing insurance fraud by lying about a medical condition or medical history simply to receive approval. Once the contestability period ends, insurers must pay out on valid life insurance claims.
In an effort to mitigate payouts, some life insurance companies unfairly contest and deny life insurance claims alleging the insured deceptively misled the insurer in order to obtain a policy. Insurance companies sometimes deny life insurance claims without citing any evidence of insurance fraud. This practice of wrongfully denying rightful life insurance claims within the contestability period is wrong, and beneficiaries have a right to take legal action to obtain the funds they are owed under the terms of the policy.
If you are the beneficiary of a life insurance claim and your claim is contested, you need to immediately contact a life insurance contestability attorney. Not all insurance companies are forthright about conducting investigations, so if your claim is being delayed, this could be sign the company is preparing to contest and/or deny your claim. Speak to an experienced life insurance attorney as early in the process as possible to help protect your policy and your financial future.
Dealing with the loss of a loved one is difficult enough, but dealing with insurance companies operating in bad faith can seem impossible. The experienced life insurance lawyers at Raizner Slania have successfully fought for the rights of policyholders in Texas and across the country. If you believe your life insurance claim is being contested, or if the claim is delayed or outright denied, our lawyers can help you get the compensation you are entitled to under the policy. Call us today for a free consultation to discuss your case.
Fill out this form to discuss your case with one of our experienced attorneys
or call us at(844) 456-4823.
Fill out this form to discuss your case with one of our experienced attorneys
or call us at
844-554-9099.