New York


New Jersey


  • Has Your Life Insurance Company Denied or Delayed Your Claim?

    We Have Taken on the Large Insurance Companies and Have Won on Our Client’s Behalf. Contact Us to Find Out if You Have a Claim. We Can Help.

Our Experienced Life Insurance Claim Denial Attorneys Stand By Ready to Help You


Our life insurance attorneys have negotiated or litigated many different life insurance denial cases against major insurance companies.


Our team of attorneys are experienced at handling the complex litigation of life insurance cases.


Our lawyer-to-case ratio is extremely high, assuring the degree of personal attention and thoroughness for which our firm is known.

If you have filed a life insurance claim and have been denied, or think you might be denied, we may be able to help you. The life insurance claims attorneys at Trief & Olk are experienced in life insurance law, terminology, applications, and practices. We will represent you aggressively in negotiations with your life insurance company and if they don’t agree to pay the benefits to which you are entitled, we will take them to court to prove your claim.

Notable Verdicts & Settlements


Metropolitan Life Ins. Co. (summary judgement)


Confidential Settlement


Confidential Settlement


Lincoln National Life Ins. Co. (jury verdict)

Ted Trief

Ted Trief received his J.D. from Rutgers University Law School, graduating with honors in 1976. He received his B.A. in 1973 from State University of New York at New Paltz. He is a former Assistant D.A.

Barbara Olk

Barbara Olk graduated from New York University Law School with a J.D. degree in June of 1976. Ms. Olk completed her B.A. degree in English and Political Science at the University of Rochester in 1973, where she was a member of Phi Beta Kappa.

Shelly L. Friedland

Shelly L. Friedland, who joined Trief & Olk in 2014 and became a partner in 2016, graduated cum laude from Harvard Law School, and received her B.A. in economics from Columbia University, graduating summa cum laude.

Stan Gutgarts

Stan Gutgarts received his J.D. from Fordham University School of Law in 2011, where he was a recipient of a full-tuition scholarship. Mr. Gutgarts is admitted to the New York and New Jersey Bars, as well as before the U.S. District Courts for the Southern, Eastern, and Western Districts of New York, and the District Court of New Jersey.

What Are The Reasons For A Life Insurance Claim Denial?

  • Lapse
  • Failing to reinstate    
  • Failing to disclose medical visit
  • Failure to disclose medical condition
  • Failure to timely pay premium
  • Failing to convert to individual policy
  • Failing to report life insurance coverage
  • Wrong age on application
  • Inaccurate income listed
  • Inaccurate weight listed
  • Competing beneficiaries
  • Criminal history discovered
  • Change in person’s job
  • Fired from person’s job
  • Employer didn’t forward records
  • Suicide exclusion
  • Self-inflicted injury exclusion
  • Illegal drug exclusion
  • Prescription drug exclusion
  • Use of alcohol exclusion
  • Sickness exclusion
  • Felony exclusion
  • Medical treatment
  • Foreign country fatality

Trending News

Don’t Lose Life Insurance Coverage When you Need it Most – When you are Gravely ill

Don’t Lose Life Insurance Coverage When you Need it Most – When you are Gravely ill

Many employers provide employees with the option to purchase group life insurance coverage in addition to basic coverage provided by the employer and paid for by the employer.
May 18, 2017/by lifeinslaw
Life Insurance Ramifications of DNA Sequencing

Life Insurance Ramifications of DNA Sequencing

With the advent of affordable DNA sequencing, nearly one million Americans have had their DNA tested. Yet from a life insurance standpoint, the consequences of such a decision remain unclear.
April 2, 2017/by lifeinslaw
Buying and Selling Life Insurance Policies in New York

NY High Court Rules on Ability to Transfer Life Insurance Policy To Non-Family

A ruling by the New York Court of Appeals has paved the way for individuals to buy life insurance policies and transfer them as investments.
March 22, 2017/by lifeinslaw
New York Life Insurance Claim Lawyer

New York Life Insurance Claim Lawyer

Filing a life insurance claim after your loved one passes away seems like it should be a simple and quick process.
February 19, 2017/by lifeinslaw
Don’t Lose Life Insurance Coverage When you Need it Most – When you are Gravely ill

Life Insurance Denial Lawyer

When your life insurance claim is denied, don’t accept an unfair decision and give up. In most states, insurance companies have up to two years to investigate an approved insurance policy and deny the policy or a claim.
January 26, 2017/by lifeinslaw
New York Life Insurance Claim Lawyer

Life Insurance Denial Lawsuit

Thousands of life insurance claims are denied each year by companies that say the policy application misrepresents facts about your loved one. The news media report that the amount of money denied to beneficiaries has doubled in the past decade.
December 21, 2016/by lifeinslaw