Life Insurance Claims Denials 

DL Law Group Fights for You in San Francisco 

Facing a denied life insurance claim after losing a loved one is devastating. At DL Law Group in San Francisco, we specialize in litigating life insurance claim denials, ensuring insurance companies pay the benefits you’re owed. With decades of experience and a deep commitment to our clients, we fight relentlessly to secure justice for policyholders across the Bay Area. 

Why Choose DL Law Group? 

DL Law Group is a trusted advocate for policyholders facing insurance disputes. Here’s what sets us apart: 

• Unmatched Expertise: Over 20 years of litigating insurance claims, with a nearly unparalleled success rate. 
• Client-First Commitment: We only take cases we believe in, ensuring we’re fully dedicated to your fight. 
• No Financial Risk to You: Our contingency fee model means you pay nothing unless we win, and we cover all upfront costs. 
• San Francisco Expertise: Based in San Francisco, we leverage our knowledge of California insurance laws to deliver results. 
• Proven Success: We’ve recovered tens of millions of dollars for thousands of clients facing wrongful claim denials. 

Common Reasons Insurance Companies Deny Claims 

Insurance companies often use questionable tactics to avoid paying life insurance benefits. Beyond the reasons outlined below, other common denials include: 

• Bad Faith Practices: Unreasonable denials designed to discourage you from pursuing your claim. 
• Policy Misinterpretation: Insurers may claim your situation isn’t covered, exploiting vague policy language. 
• Procedural Errors: Denials based on minor paperwork issues or missed deadlines, even when you acted in good faith. 
• Pre-Existing Condition Claims: Insurers may wrongly argue undisclosed health issues void the policy. 

At DL Law Group, we counter these tactics with thorough investigations, expert legal strategies, and aggressive advocacy. 

Insurance Claims 

The DL Law Group regularly litigates life insurance claim denials. There is nothing worse than going through the tragedy of losing a loved one and then being told by the insurance company that they are not going to pay the life insurance benefit that is owed. Insurance companies will come up with any excuse they can to avoid paying a life insurance claim. 

One of the most common reasons for denial is the claim that the policy is no longer in force. For example, if you change jobs or your company is bought by another company and the life insurance policy changes, you might never be informed. If you were not given the opportunity to convert your group policy to an individual policy, the insurance company may still deny the claim. They will say, “Thank you for all those years of premiums, but we don’t owe you anything now.” 

Another common denial reason is the accusation that the policyholder lied on their application. These applications can be long and complicated. In many cases, insurance brokers fill them out on behalf of the applicant. Then, when it’s time to file a claim, the insurance company goes back through the application and looks for any technicality they can use to say, “You misrepresented something, so we’re not paying.” 

There is typically only one application submitted, but if the insurance company questions something during the process, there is usually an opportunity to clarify, amend, or correct the application before it is finalized. 

In one case we handled, a woman was undergoing chemotherapy when the insurance company didn’t just deny her claim, they rescinded her policy entirely. They accused her of lying on her application and demanded repayment of the $400,000 they had already paid for her treatment. The problem was that she hadn’t seen a doctor in over ten years before applying. She had a deep fear of doctors after a close friend died during a routine operation and never came home. Because of that fear, she avoided medical care altogether. The application did not ask her when she last saw a doctor. Had it done so, she would have answered honestly. The insurance company’s denial was ultimately found to be wrong, and they paid out on the claim. 

Sometimes the issue is not the insurance company itself, but a dispute over who the proper beneficiary is. If the beneficiary is unclear or there is a conflict, the DL Law Group can help resolve that dispute. 

How DL Law Group Fights for You 

We start with a free case evaluation to review your policy and denial details. If we believe in your case, we’ll negotiate with the insurance company to secure a fair settlement. If necessary, we’re prepared to file a lawsuit and take your case to trial. Our contingency fee model ensures no upfront costs for you; we only get paid when you do. We also handle beneficiary disputes, ensuring the rightful recipient receives the benefits. 

Located in San Francisco, DL Law Group proudly serves clients throughout the Bay Area, including Oakland, Berkeley, and San Jose. Our deep understanding of California insurance laws, including bad faith protections, allows us to effectively challenge insurance company tactics. Whether you’re dealing with a denied life, health, or disability insurance claim, we’re here to fight for you. 

Don’t let an insurance company’s denial add to your grief. Contact DL Law Group for a free, no-obligation consultation. Our San Francisco attorneys are ready to review your case, challenge wrongful denials, and fight for the benefits you’re owed. Call us at 415-678-5050 or complete our contact form to get started today.