Utah Denied Life Insurance Claim Attorneys
Life Insurance Attorneys Helping Utah
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.
Utah Denied Life Insurance Claim Attorneys
Life insurance is a crucial financial tool that many Utah residents rely on to safeguard their family’s future. It’s a legally binding contract between the policyholder and the insurance company. The primary purpose of life insurance is to provide financial security to beneficiaries in the event of the policyholder’s passing. This financial support can ease the burden of funeral costs, unpaid debts, and other financial responsibilities.
The Application Process
When applying for a life insurance policy, individuals must complete an application, which is a fundamental part of the insurance contract. The application contains essential information about the policyholder’s health, lifestyle, and other factors relevant to the insurance company’s decision. Upon reviewing the application, the insurance company evaluates the applicant’s eligibility and calculates the coverage amount and premium.
Beneficiaries and Claims
Once approved, the policyholder designates specific individuals as beneficiaries. These beneficiaries are the individuals who will receive the death benefit if the policyholder passes away. Beneficiaries can be family members, close friends, or even business partners, depending on the policyholder’s preferences.
Denied Life Insurance Claims
It’s distressing when beneficiaries are denied coverage after the policyholder’s passing. Insurance companies can, and do, deny life insurance claims in certain situations. It’s vital for Utah residents to understand why these denials happen and what steps they can take when faced with such a situation.
Common Reasons for Denial
Life insurance companies in Utah have strict guidelines and legal obligations. They often deny coverage for various reasons, including:
Material Misrepresentation: If the policyholder provided inaccurate or false information on the insurance application, it can lead to a claim denial. For instance, omitting a significant health issue can be considered material misrepresentation.
Policy Lapse: A life insurance policy lapses when the policyholder fails to pay premiums. In such cases, beneficiaries may lose their right to the death benefit.
Beneficiary Issues: Sometimes, disputes may arise over who should receive the death benefit. If the person seeking payment was not named as a beneficiary, it can result in a denied claim.
Why Consult a Denied Life Insurance Claim Attorney That Helps in Utah
In Utah, the life insurance industry is tightly regulated, with specific laws governing it. When your life insurance claim is denied, it’s crucial to consult with a professional attorney who focuses on denied life insurance claims. At Trief & Olk, our life insurance attorneys that help in Utah have extensive experience in handling these matters and can help you navigate the complexities of life insurance law in the state.
Notable Achievements: Winning for Our Clients in Life Insurance Claim Denial Cases
At Trief & Olk, our Denied Life Insurance Claim Attorneys that help in Utah have a proven track record of helping our clients receive the insurance benefits they deserve. We understand that facing a denied life insurance claim can be challenging, and we’re here to provide the legal support you need. Here are some examples of the settlements and verdicts we’ve obtained on behalf of our clients:
1. Verdict against William Penn Life Insurance Co. ($3 million)
Our attorneys secured a significant victory against William Penn Life Insurance Co., ensuring our client received the full insurance payout they were entitled to. This $3 million verdict reflects our commitment to fighting for our clients’ rights.
2. Reinstatement of Lapsed Policy with State Farm ($3 million)
In a particularly challenging case, our legal team successfully reinstated a lapsed life insurance policy on behalf of the beneficiaries of an insured individual who had brain cancer and was incapacitated. This victory ultimately led to a $3 million payout from State Farm.
3. Success at Summary Judgment against Metropolitan Life Ins. Co. ($1.7 million)
Our experience in handling life insurance denial cases resulted in a significant $1.7 million settlement after achieving success at summary judgment against Metropolitan Life Insurance Co.
4. Settlement with Primerica ($1.2 million)
In another case, we negotiated a $1.2 million settlement with Primerica, ensuring our client received the financial support they deserved.
5. Settlement with Protective Life Insurance ($1 million)
Our legal team’s dedication and negotiation skills led to a $1 million settlement with Protective Life Insurance, helping our client move forward with financial security.
6. Numerous Confidential Settlements
In addition to the high-profile cases mentioned, we have secured numerous confidential settlements against well-known insurance companies, including MetLife (including BrightHouse), Prudential, Farmers, First-Penn Pacific, and John Hancock. These confidential settlements reflect our ability to resolve complex cases while protecting our clients’ privacy and interests.
Related Blog Posts
Common Mistakes to Avoid When Facing a Denied Life Insurance Claim
Facing a denied life insurance claim can be a daunting and frustrating experience. When dealing with insurance companies, beneficiaries must navigate a complex system, and making mistakes along the way can significantly impact the outcome of their claim. Here, we’ll discuss some common mistakes that beneficiaries should avoid and how a life insurance trial lawyer can help.
1. Accepting the Denial Without Questioning
One of the most common mistakes beneficiaries make is accepting the denial of their life insurance claim without questioning it. It’s crucial to remember that insurance companies are businesses, and their primary goal is to minimize payouts. Just because they deny your claim doesn’t necessarily mean it’s justified.
2. Not Seeking Legal Representation
Fighting a denied life insurance claim is not a battle you should face alone. Beneficiaries often make the mistake of not seeking legal representation. Having an experienced attorney by your side can make a significant difference in the outcome of your case. A life insurance trial lawyer that helps in Utah has the experience to navigate the complexities of insurance law and can be your strongest advocate.
3. Hiring an Inexperienced Attorney
Not all attorneys are created equal, and hiring an attorney without specific experience in life insurance claims can be a critical mistake. Life insurance law is a unique field, and working with an attorney who doesn’t understand the nuances can hinder your chances of success. Choose a legal experience who has a proven track record in handling denied life insurance claims.
Timing Is Crucial
In the world of insurance, time is of the essence. Insurance companies often try to delay the claims process to wear beneficiaries down. This is where a life insurance trial lawyer that helps in Utah becomes invaluable. They understand the tactics used by insurance companies and can bring them to the table more quickly, ensuring that you receive the fair and timely resolution you deserve.
Frequently Asked Questions (FAQs) – Dealing with Denied Life Insurance Claims in Utah
Facing the denial of a loved one’s life insurance policy can be a challenging and confusing experience. Here, we provide answers to some of the most frequently asked questions that beneficiaries who were recently denied a life insurance claim might ask an attorney.
Why was my life insurance claim denied?
Life insurance claims may be denied for various reasons, including material misrepresentation on the policy application, policy lapses due to unpaid premiums, or disputes over the beneficiary designation. An attorney can help you understand the specific reason for your denial.
Can I appeal a denied life insurance claim?
Yes, you have the right to appeal a denied life insurance claim. An experienced attorney can guide you through the appeals process, gather the necessary evidence, and present a strong case to challenge the denial.
How long do I have to appeal a denied claim?
The time frame for appealing a denied life insurance claim can vary depending on the insurance company’s policy and the terms of the policy. It’s essential to consult with an attorney promptly to ensure you meet any deadlines.
Do I need an attorney to handle my denied life insurance claim?
While it’s not a legal requirement to have an attorney, having one can significantly improve your chances of a successful outcome. Attorneys who focus on denied life insurance claims have the experience and knowledge to navigate the complexities of insurance law and can advocate for your rights.
How can an attorney help with my denied life insurance claim?
An attorney can assist you by investigating the denial, negotiating with the insurance company, and, if necessary, representing you in court. They will work to gather the evidence needed to support your claim and ensure you receive the benefits you are entitled to.
What if my loved one's policy lapsed due to missed payments?
If the policy lapsed due to missed payments, it might still be possible to reinstate it or claim certain benefits, depending on the circumstances. An attorney can help you explore your options and negotiate with the insurance company.
Can I still pursue a claim if the insured passed away within the policy's contestability period?
Yes, you can pursue a claim even if the insured passed away within the contestability period, which is usually two years from the policy’s inception. However, the insurance company may investigate the claim more closely during this period. An attorney can guide you through this process.
What if the insurance company is not cooperating or delaying the process?
If the insurance company is uncooperative or intentionally delaying the claims process, an attorney can apply legal pressure and expedite the resolution. Their experience can push the insurance company to engage in a more timely manner.
How much will it cost to hire an attorney for a denied life insurance claim?
Many attorneys who handle denied life insurance claims work on a contingency fee basis. This means that they only get paid if you win your case, and their fees are a percentage of the amount recovered. Consult with an attorney to discuss their fee structure and potential costs.
How long does it take to resolve a denied life insurance claim with an attorney's help?
The time it takes to resolve a denied life insurance claim can vary widely depending on the complexity of the case and the insurance company’s willingness to cooperate. An attorney will work diligently to expedite the process, but the timeline can differ from case to case.
Denied Life Insurance Claim Client Story
This client story is for educational purposes only.
In the heart of Utah, a man named Gary found himself in the midst of a storm, struggling to navigate the complex world of life insurance claims after losing his beloved wife, Sharon. Their love story had been a beautiful one, filled with shared dreams, laughter, and moments of unwavering support. However, when Sharon passed away, life took a painful turn.
Gary was devastated, not just emotionally, but also financially. He relied on Sharon’s life insurance policy to provide financial security for their family, especially their two young children. But when he submitted the claim to the insurance company, he was met with a crushing denial. It felt like the sky had fallen, leaving him to pick up the pieces alone.
The denial seemed unjust, and Gary refused to accept it. He knew that Sharon had paid her premiums faithfully for years, ensuring her family’s future. There had to be a way to honor her memory and secure the financial stability they had planned for.
That’s when Gary discovered Trief & Olk, a team of dedicated attorneys who focus on denied life insurance claims in Utah. With heavy hearts and a glimmer of hope, Gary reached out to them, seeking guidance and support.
The attorneys at Trief & Olk understood that Gary’s journey was an emotional one. They could feel the weight of his loss, and they were committed to helping him navigate the turbulent waters of the insurance world. They assured Gary that he was not alone on this path.
With their guidance, Gary’s story started to take a new turn. The attorneys meticulously reviewed Sharon’s life insurance policy and the circumstances surrounding the claim denial. They uncovered important details that the insurance company had seemingly overlooked.
As the legal battle unfolded, the attorneys negotiated with the insurance company, bringing them to the table quicker than Gary had ever thought possible. The relentless determination of the legal team became his strength. It was like a powerful wind at his back, propelling him toward the justice he sought.
The journey was not without its challenges, but Gary felt a glimmer of hope each day. The attorneys at Trief & Olk diligently worked to build a strong case, gathering evidence and leveraging their experience in life insurance law.
Finally, the day came when the insurance company realized that their denial was not justifiable. The benefits that Sharon had intended for her family were rightfully awarded to Gary. The financial security that seemed so distant was now within reach.
Trief & Olk had not only helped Gary secure the life insurance benefits but also provided a sense of closure to a man who had been through so much. Sharon’s memory lived on through the financial support she had left behind, ensuring that her family’s dreams would be fulfilled.
Gary’s journey was a testament to the power of resilience and the importance of seeking help when life takes an unexpected turn. Trief & Olk had been his guiding light through the darkest days, leading him toward the justice he and his family deserved.
Contact Our Denied Life Insurance Claim Attorneys That Help Residents in Utah
If you’ve recently faced the heart-wrenching denial of a life insurance claim in Utah, you’re not alone. The journey to claim the benefits your loved one intended for you can be challenging, but there is hope.
Life insurance denial is a complex issue, requiring the experience of an Insurance Claim Attorney who is well-versed in insurance law, life insurance applications, and policies. At Trief & Olk, we are here to be your guide through this difficult process.
Our team of experienced attorneys has successfully negotiated or litigated numerous life insurance denial cases against various 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
We have a deep understanding of the intricacies of life insurance law and are committed to fighting for your rights. If you’ve been denied a life insurance payout, we’re here to help you secure the financial support your loved one intended for you.
At Trief & Olk, we offer free consultations to review your life insurance documents without charge. We understand the importance of your case and are ready to provide the legal support you need.
Don’t face the insurance company alone. Let us be your advocate and guide on the path to justice. Contact us today to discuss your denied life insurance claim in Utah. Your financial future is our priority, and we’re here to help you secure it.
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.