New Jersey Denied Life Insurance Claim Attorneys
Life Insurance Attorneys in New Jersey
They are efficient, honest and will achieve the best possible outcome. Farmers had rejected my claim twice and was unwilling to take a second look. Shelly was able to get them to pay the entire claim without going to court.. Highest recommendation.
- Kathleen Bryan
Trief & Olk is a superior law firm. Their attorneys and other legal professionals have a brilliant understanding of the law and the litigation process. They diligently perform their work in an efficient, strategic and cost-effective manner to ensure the best possible outcomes for their clients.
- Christopher Hughes
I contacted the Trief & Olk law firm regarding a life insurance issue. Shelly Friedland handled the matter swiftly, courteously and professionally. The issue was settled in my favor in a timely manner. I would highly recommend her and this firm to those in need of legal assistance .
- Jim Beha
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Our experienced attorneys have negotiated or litigated a wide variety of life insurance denial cases against major insurance companies.
New Jersey Denied Life Insurance Claim Attorneys
Life insurance is often seen as a crucial safety net, offering financial security and peace of mind to families in times of need. In New Jersey, as in other states, this protection is governed by specific legal frameworks that protect both the policyholders and the beneficiaries. However, even with these protective measures in place, life insurance companies can deny rightful claims, leaving beneficiaries in distress and financial uncertainty.
The Essence of a Life Insurance Policy
In the state of New Jersey, a life insurance policy serves as a formal agreement between the policyholder and the insurance company. It outlines that upon the death of the insured individual, the insurance company will pay out a predetermined amount of money to the designated beneficiaries, often referred to as the “death benefit.” This benefit is designed to provide vital financial support to the loved ones left behind.
Understanding the Application Process
Before the issuance of a life insurance policy, applicants are required to go through a comprehensive application process. During this stage, the insurance company carefully evaluates the application, assessing the level of risk and determining the appropriate coverage and premium rates. It is crucial for the applicant to provide accurate and truthful information during this process.
The Impact of Denial on Beneficiaries
Unfortunately, life insurance companies have the authority to reject claims, which can have devastating consequences for the intended beneficiaries. Common reasons for denial can include claims of material misrepresentation during the application process, policy lapses, or disputes over the designation of the beneficiary.
The Importance of Legal Guidance
In the face of a denied life insurance claim, beneficiaries must understand that they have legal options available to them. In the state of New Jersey, life insurance regulations are stringent and complex, requiring a thorough understanding of the legal intricacies involved. This is where the experience of a trusted New Jersey Denied Life Insurance Claim Attorney becomes invaluable.
At Trief & Olk, we focus on navigating the intricacies of New Jersey’s life insurance laws. Our seasoned team of attorneys is well-versed in the legal complexities surrounding denied life insurance claims. With a deep understanding of the nuances of the state’s regulations, we are dedicated to fighting for the rights of our clients and ensuring they receive the compensation they rightfully deserve.
Notable Achievements: Winning for Our Clients in Life Insurance Claim Denial Cases
At Trief & Olk, our dedicated team of New Jersey Denied Life Insurance Claim Attorneys is committed to fighting for the rights of our clients. Over the years, we have achieved remarkable settlements and verdicts on behalf of beneficiaries who faced the distressing situation of denied life insurance claims. Here are some notable examples of our successful outcomes in these cases:
1. Verdict against William Penn Life Insurance Co. ($3 million)
Our experienced attorneys secured a $3 million verdict against William Penn Life Insurance Co., ensuring that our client received the compensation they deserved.
2. Reinstatement of Lapsed Policy with State Farm ($3 million)
In a particularly challenging case, we obtained the reinstatement of a lapsed policy on behalf of beneficiaries. The insured individual had been incapacitated by brain cancer, making it impossible for him to manage his finances. This victory led to the payment of a $3 million death benefit by State Farm.
3. Success at Summary Judgment against Metropolitan Life Insurance Co. ($1.7 million)
Our legal team’s experience was evident when we achieved a successful outcome at summary judgment against Metropolitan Life Insurance Co., resulting in a $1.7 million settlement for our client.
4. Settlement with Primerica ($1.2 million)
Our negotiation skills played a pivotal role in securing a $1.2 million settlement with Primerica, ensuring that our client received the compensation they deserved.
5. Settlement with Protective Life Insurance ($1 million)
We have a proven track record of achieving favorable settlements, including a $1 million settlement with Protective Life Insurance.
6. Numerous Confidential Settlements
In addition to the above cases, we have also secured numerous confidential settlements against major insurance companies, including MetLife (BrightHouse), Prudential, Farmers, First-Penn Pacific, and John Hancock. These settlements have provided our clients with the financial relief they needed during challenging times.
Related Blog Posts
Common Mistakes to Avoid When Facing a Denied Life Insurance Claim
Facing a denied life insurance claim can be an incredibly challenging and distressing experience, especially when you’re already dealing with the emotional loss of a loved one. It’s essential to approach this situation with care and precision to secure the compensation you rightfully deserve. In New Jersey, beneficiaries have rights, and they should be aware of the following potential pitfalls to avoid costly mistakes.
Mistake 1: Accepting Denial Without Question
One of the most significant mistakes beneficiaries can make is simply accepting the denial of their life insurance claim without further investigation. It’s important to remember that insurance companies can, and do, make errors. Denial does not necessarily equate to the end of the road. It’s crucial to examine the denial thoroughly and seek legal advice if you believe it’s unjust.
Mistake 2: Not Hiring a Trial Lawyer
Life insurance claim denials often result from insurance companies unwilling to cooperate or negotiate in good faith. In such cases, having a trial lawyer who is prepared to take the insurance company to court can be a game-changer. A skilled New Jersey life insurance trial lawyer can put pressure on the insurance company, compelling them to reevaluate their position and potentially settle the claim sooner.
Mistake 3: Hiring an Inexperienced Attorney
Choosing the right attorney is a critical decision. Beneficiaries should avoid the mistake of hiring an attorney who lacks experience in life insurance claims. These cases involve complex legal nuances and regulations unique to the insurance industry. An attorney with a proven track record in life insurance law is essential to navigate the intricacies of your case effectively.
The Role of a New Jersey Life Insurance Trial Lawyer
In situations where the insurance company is uncooperative and unwilling to pay out a valid claim, a New Jersey life insurance trial lawyer can be your strongest ally. Their experience in life insurance law and their readiness to take your case to court can significantly expedite the process. This approach sends a clear message to the insurance company that you are serious about pursuing your rightful claim.
Frequently Asked Questions (FAQs) – Dealing with Denied Life Insurance Claims in New Jersey
Dealing with a denied life insurance claim can be a difficult and confusing time, especially when you’re grieving the loss of a loved one. Here, we’ve compiled some frequently asked questions to help you better understand the process and what to do if your life insurance claim has been denied in New Jersey.
What should I do if my life insurance claim has been denied?
If your life insurance claim has been denied, the first step is to carefully review the denial letter from the insurance company. Ensure you understand the reasons for the denial. It’s essential not to accept the denial without question, as insurance companies can make mistakes. Consult with our experienced New Jersey Denied Life Insurance Claim Attorneys to evaluate your case and determine the best course of action.
Do I need an attorney to appeal a denied life insurance claim in New Jersey?
While you are not legally required to have an attorney, it is highly advisable to consult with one. Life insurance claims involve complex legal and regulatory nuances, and insurance companies may employ tactics to avoid paying out claims. An experienced attorney can help you navigate the process, protect your rights, and increase your chances of a successful appeal.
How long do I have to appeal a denied life insurance claim in New Jersey?
The time frame for appealing a denied life insurance claim can vary, but it is typically within a specific window as outlined in your policy. It is crucial to act promptly and consult with an attorney to ensure that you meet all deadlines. Delays can significantly impact the success of your appeal.
What should I look for in an attorney to handle my denied life insurance claim in New Jersey?
When choosing an attorney to handle your denied life insurance claim, look for someone with experience in life insurance law, particularly in New Jersey. They should have a proven track record of successfully handling similar cases. Experience, knowledge, and a dedication to your case are key factors to consider.
Can a New Jersey life insurance attorney help expedite the claim process?
Yes, an experienced New Jersey Denied Life Insurance Claim Attorney can help expedite the claim process. Their understanding of the legal landscape and willingness to take the insurance company to court if necessary can compel the insurance company to reevaluate your claim and potentially settle it more quickly.
What if my loved one's policy lapsed before their passing?
If the policy lapsed before the insured individual’s passing, it can complicate the claim process. However, it’s not necessarily the end of the road. An attorney can examine the circumstances of the lapse and explore potential options for recovering the benefits, especially if the insured was incapacitated or the lapse was due to the insurance company’s actions or errors.
Can I still pursue a claim if my loved one didn't name me as a beneficiary?
The designation of beneficiaries is typically outlined in the policy. If you are not named as a beneficiary, it can be more challenging to pursue a claim. However, there may be exceptions and legal avenues to explore, especially if you have a valid reason to believe you should be a beneficiary. Consulting with an attorney is crucial in such situations.
What if the insurance company alleges that my loved one made misrepresentations on the policy application?
Allegations of misrepresentation on the policy application are common reasons for claim denial. In such cases, it’s essential to have an attorney review the accuracy of the insurance company’s allegations. They can help you build a case to challenge the denial, particularly if you believe the misrepresentation claims are unfounded.
How can I contact Trief & Olk for help with my denied life insurance claim in New Jersey?
You can easily reach out to Trief & Olk by visiting our Contact page on our website or by calling our office directly. Our dedicated team of New Jersey Denied Life Insurance Claim Attorneys is here to provide experienced guidance and support for your denied life insurance claim. Don’t hesitate to get in touch for a consultation to discuss your case.
Denied Life Insurance Claim Client Story
This client story is for educational purposes only.
In a time of great sorrow, Steven found himself standing alone in the midst of life’s most heart-wrenching storm. His beloved wife, Emily, had passed away, leaving him not only with the weight of grief but also the looming financial burdens of a denied life insurance claim. The insurance company’s refusal to pay out Emily’s life insurance policy left Steven feeling helpless, lost, and overwhelmed.
But it was in these darkest hours that a guiding light emerged – Trief & Olk, the trusted New Jersey Denied Life Insurance Claim Attorneys. In his despair, Steven reached out to their team, hoping for a glimmer of hope, a chance to honor Emily’s memory and provide for their family.
With kindness and compassion, the New Jersey Denied Life Insurance Claim Attorneys at Trief & Olk listened to Steven’s heart-wrenching story, empathizing with his plight. They understood that this was not just a legal matter but a profound loss that needed resolution.
The legal journey began as the attorneys meticulously examined the details of Emily’s life insurance policy and the reasons behind the denial. It was revealed that the insurance company had cited alleged misrepresentations in Emily’s policy application, which Steven knew couldn’t be true. Trief & Olk recognized the injustice of the situation and were determined to set things right.
With unwavering dedication, the legal team began their quest to overturn the insurance company’s denial. They gathered evidence, reviewed medical records, and consulted experience to prove that Emily had been entirely truthful in her application.
As the days turned into weeks, and then months, the team at Trief & Olk fought tirelessly on Steven’s behalf. They navigated the intricate legal labyrinth that is life insurance law in New Jersey, ensuring no stone was left unturned in their pursuit of justice.
And finally, the day came when the insurance company realized they could not deny the truth any longer. Trief & Olk’s persistence, experience, and unyielding commitment to their clients had prevailed. Emily’s life insurance claim was approved, and the long-awaited payout was on the horizon.
In that moment, a wave of relief and gratitude washed over Steven’s grieving heart. The life insurance benefits would not replace the love and companionship he had lost, but they would provide a lifeline, ensuring that Emily’s wishes for their family’s future were fulfilled.
Steven’s story is a testament to the resilience of the human spirit and the power of unwavering support. With Trief & Olk by his side, he had found the strength to fight for what was rightfully his, honoring Emily’s memory and securing a brighter future for their family.
Contact Our New Jersey Denied Life Insurance Claim Attorneys
If you find yourself facing the distressing situation of a denied life insurance claim in New Jersey, we are here to be your beacon of hope and support. At Trief & Olk, we understand that life insurance denial is a complex contractual problem that requires the experience of an Insurance Claim Attorney well-versed in insurance law, life insurance applications, and policies.
Our experienced team has a proven track record of negotiating and litigating numerous life insurance denial cases against some of the most prominent insurance companies, including:
● Met Life (including Brighthouse Financial)
● John Hancock
● Prudential
● American General/AIG
● New York Life
● William Penn
● Primerica
● Lincoln Financial (including First Penn-Pacific)
● State Farm
● Farmers
● Protective Life
● Globe Life
● Sun Life
● Transamerica
At Trief & Olk, we offer free consultations to discuss your case, and we are dedicated to helping you get the justice and compensation you deserve. We understand the intricacies of life insurance law in New Jersey and are committed to being your trusted allies in your fight for what is rightfully yours.
If you’ve been denied a life insurance benefit payout, do not hesitate to reach out to us. We will review your life insurance documents without charge and guide you through the process of securing the benefits you deserve. Your future and the memory of your loved one deserve to be protected. Contact our New Jersey Denied Life Insurance Claim Attorneys today and let us help you on the path to justice and resolution.
Client Reviews
If there is any possibility of winning your life insurance case – this is the place to do it for you. They are efficient, honest and will achieve the best possible outcome.
Shelly Friedland worked on my case where a life insurance policy had lapsed and was even a few days beyond the grace period. Farmers had rejected my claim twice and was unwilling to take a second look. Shelly was able to get them to pay the entire claim without going to court, and the full amount was deposited in my account within a couple months. Highest recommendation.
Kathleen Brown
