Denied Life Insurance Claim?

You don’t have to navigate it alone.

Was Your Claim for Life Insurance Denied?

Here is what you need to know

Receiving a denial letter for a life insurance claim can be frustrating and overwhelming, but it’s important to know that a denial is not always final.

Insurance companies may deny claims for various reasons, including:

Non-disclosure – the most common reason where the insurer alleges that the policyholder did not disclose a relevant health condition or lifestyle factor.

Missed Payments – the policy lapsed due to unpaid premiums.

Contestability Period – if the policyholder passed away within the first two years of coverage, the insurer may conduct a detailed review.

Policy Exclusions – some policies contain clauses that limit coverage for certain circumstances.

WHAT YOU CAN DO NEXT

A denial does not mean you are out of options. Many claims are unfairly denied or based on incorrect interpretations of the policy.

To challenge a denial:

Carefully review the denial letter to understand the insurer’s reasoning.

Gather relevant documents such as medical records and policy details.

Seek legal advice—a lawyer can assess your case and take legal action if necessary.

If your claim has been denied, don’t assume it’s the final word. Legal guidance can make a difference in ensuring you receive the benefits you’re entitled to. Contact us today to discuss your options.

How We Can Help

Whether you are facing a denied disability claim, unfair benefit termination, or an insurance company refusing to pay what you are entitled to, we are here to fight for you every step of the way. At K. Miller Law, we are committed to protecting your rights and ensuring you receive the compensation and support you deserve.

We Serve Ontario

At K. Miller Law, we represent employees across Ontario, providing trusted legal guidance no matter where you are. With the ability to connect remotely, we ensure that location is never a barrier to receiving strong legal representation.

Whether you’re in a bustling city or a smaller community, we are committed to advocating for your rights and securing fair outcomes.

Here are just a few of the areas where we have assisted employees in resolving workplace disputes.