Life Insurance Denial Attorney
Professional Life Insurance Denial Attorneys Serving Clients Around the United States
At Eric Buchanan & Associates, our experienced life insurance denial attorneys understand the emotional and financial toll of a denied life insurance claim. With many years of experience in insurance law, our team has successfully helped clients across the United States appeal wrongful denials and secure the benefits they deserve. Led by Eric Buchanan, a recognized expert in insurance litigation, we combine firsthand experience, legal expertise, and a client-focused approach to deliver results.
Our firm specializes in handling complex life insurance denial cases, including those involving policy misrepresentations, lapsed policies, or disputes over beneficiary rights. We are committed to transparency, offering free consultations to evaluate your case and guide you through the appeals process with confidence.
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Common Reasons for Life Insurance Claim Denials
Life insurance companies may deny claims for various reasons, often leaving beneficiaries confused and overwhelmed. Our disability insurance attorneys have extensive experience addressing the following denial reasons:
- Misrepresentation on the Application: Insurers may claim the policyholder provided inaccurate information, such as medical history or lifestyle details.
- Policy Lapse: Claims may be denied if the insurer alleges premiums were not paid on time.
- Exclusion Clauses: Insurers may cite specific policy exclusions, such as pre-existing conditions or high-risk activities.
- Beneficiary Disputes: Conflicts over who is entitled to the policy benefits can lead to delays or denials.
- Contestability Period Issues: If a claim is filed within the first two years, insurers may scrutinize the policy for errors.
Our life insurance denial attorneys meticulously review your policy and denial letter to identify errors or bad-faith practices by the insurer. We leverage our deep knowledge of insurance law to build a strong case for your appeal.
How Our Life Insurance Denial Lawyers Can Help
Navigating a life insurance denial can be daunting, but you don’t have to face it alone. At Eric Buchanan & Associates, we provide comprehensive legal support, including:
- Policy Review: We analyze your insurance policy and denial letter to uncover grounds for appeal.
- Evidence Gathering: Our team collects medical records, witness statements, and other documentation to strengthen your case.
- Negotiation with Insurers: We engage with insurance companies to resolve disputes efficiently, often without litigation.
- Litigation Support: If necessary, our attorneys are prepared to take your case to court, advocating fiercely for your rights.
- Personalized Guidance: Every case is unique, and we tailor our approach to meet your specific needs.
Our proven track record includes recovering millions in benefits for clients nationwide. We work on a contingency fee basis, meaning you pay nothing unless we win your case.
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Why Trust Eric Buchanan & Associates?
Choosing the right life insurance denial attorney can make all the difference. Here’s why clients trust us:
- Experience: Our attorneys have decades of combined experience in insurance law, with a focus on life insurance denials.
- Expertise: Eric Buchanan has been recognized with a Martindale-Hubbell “AV” rating since 2007, the peer rating for the highest level of professional excellence.
- Authoritativeness: We are recognized by peers and clients for our thorough approach and successful outcomes.
- Trustworthiness: We prioritize clear communication, ethical practices, and client satisfaction, as reflected in our many 5-star client reviews.
Our firm is dedicated to upholding the highest standards of integrity, ensuring you receive compassionate and professional representation.
Frequently Asked Questions About Life Insurance Denials
Can I appeal a life insurance denial?
Yes, most denials can be appealed, especially if the insurer acted in bad faith or misinterpreted the policy. Our attorneys can guide you through the process.
How long do I have to appeal a denial?
The deadline varies by state and policy, typically ranging from 60 days to a year. Contact us immediately to avoid missing critical deadlines.
What does a life insurance denial attorney cost?
At Eric Buchanan & Associates, we offer free consultations and work on a contingency fee basis—you only pay if we recover your benefits.
Contact Our Life Insurance Denial Attorneys Today
Don’t let an unfair denial prevent you from receiving the benefits you’re entitled to. Our experienced team at Eric Buchanan & Associates is here to fight for you. Contact us today for a free, no-obligation consultation to discuss your case.
Call us at 877-634-2506 or fill out our online form to get started.