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Inland Empire Life Insurance Claim Denial Lawyer – Serving California

Attorney Nick QuinceyWhen the life insurance company denies your claim for death benefits, they may be taking away money that you both need and deserve. When they are breaking your contract with them, you can take steps legally to fight back.

Quincey Law can file a lawsuit against the insurance company on your behalf to force them to pay what they legally owe you. A judge or jury can decide whether the life insurance company’s grounds for denying your claim are legitimate or whether they must pay the death benefits.

Without an attorney, you may get little respect from the life insurance company. Attorney Nicholas Quincey has a track record of taking on the largest insurance companies and winning.

Quincey Law is located at 9302 Pittsburgh Ave 230 Rancho Cucamonga, CA 91730. Schedule a free initial consultation with a San Bernardino & Riverside life insurance claim denial lawyer by calling us today at 909-330-3523. Never think that you are without legal options. 

Recent Review:
Nick fights hard for his clients. Guided by a strong moral compass, he provides fair and honest insight as to what is in your best interest. He is incredibly diligent, and a straight shooter. You feel like he is always in the trenches with you, and guiding you through tough times. I am so grateful to have worked with him on matters over the last few years. I cannot recommend him highly enough.
Verified Review from Anthony on Avvo

Quincey Law handles many types of cases dealing with insurance companies who will not pay you what you deserve under the terms of your policy. We can get involved and work to obtain the resolution you want and need when you are getting the runaround.

Why Life Insurance Companies Deny Claims

Life insurance companies may aggressively write exclusion clauses into their policies. You may not even realize that your loved one’s death could potentially fall into one of them because exclusions are often buried in the fine print. The life insurance company may claim that the death of your loved one fell into an exclusion.

Life insurance companies may make the following other claims when they refuse to pay benefits:

  • The policyholder is alleged to have failed to disclose certain conditions when they purchased the policy
  • The policyholder failed to keep their policy current by making payments
  • The policyholder committed suicide during the contestability period
  • The death fell into a policy exclusion

The Role of the Contestability Period

The life insurance company has two or three years (depending on the policy’s language) from the date you purchase the policy to challenge any payment of benefits because of misrepresentations or misstatements. During this time period, the life insurance company may be aggressive about investigating the circumstances behind your loved one’s death.

If the life insurance company claims that your loved one did not give the full picture when purchasing the policy, such as by failing to disclose health conditions or a criminal record, they may try to deny the claim.

Even after the contestability period elapses, life insurance companies may still attempt to deny claims for similar reasons. They may argue that your loved one committed fraud and refuse to pay the benefits. However, life insurance companies should have more limited grounds to deny claims once the contestability period elapses. 

How You Can Fight Back Against the Life Insurance Company

A life insurance policy is a contract between the policyholder and the insurance company. In exchange for the payment of premiums, the insurance company must pay the death benefit unless the death falls under an exclusion, or they can successfully prove that there is another reason to deny the claim.

Like any other case where there is a contract involved, you can always sue the life insurance company for breach. Unless they can show why the death benefit should not be paid, they have a legal obligation to pay. When you file a lawsuit and win, a judge or jury could order the life insurance company to pay. You may even be able to file a bad faith lawsuit under California law when the insurance company has unreasonably denied or delayed your claim.

How a Life Insurance Claim Denial Lawyer Can Help

Large insurance companies may simply not take you seriously when they are dealing with you because they have little fear of any potential consequences. All that may change when they see that you have approached them with a life insurance claims denial attorney. They may be more willing to come to the table and talk.

When you hire a life insurance claims denial attorney, they can do the following for your case:

  • Review your life insurance policy and the insurance company’s reason for denial to determine whether you have a potential lawsuit
  • Gather facts and evidence that can help you prove your own case
  • Handle all communications with the insurance company, conveying your position and addressing their concerns
  • File a lawsuit against the insurance company, seeking to force them to pay your claim.

Contact an Inland Empire Life Insurance Claims Denial Law Firm Today

Quincey Law handles life insurance claims denials throughout the state of California, including: San Bernardino, Ontario, Victorville, Riverside, Moreno Valley, Corona and the surrounding area from our office in Rancho Cucamonga. Call 909-330-3523 or fill out our confidential contact form to speak to someone at our office. Together, we can seek justice.