Los Angeles Life Insurance Denial Lawyer

Los Angeles Life Insurance Claim Denial Attorney

Life insurance is an important part of a family’s financial plan. Families and individuals buy life insurance policies to protect family members and beneficiaries in the event of an unexpected and unfortunate death of a loved one. Families and beneficiaries count on life insurance providers to honor their promise to pay a life insurance claim. This helps the surviving beneficiaries and family members meet their financial needs. If the insurance company delays, denies or underpays a life insurance claim, the policyholder suffers.

Losing a loved one is a horrific and extremely stressful situation for families. It is worse when an insurance company fails to pay the life insurance policy benefits. But this happens far too often. Over $1 billion in life insurance payouts are disputed each year.

Insurance companies use many reasons for denying or delaying a claim including:

  • Misrepresentation – there was a misrepresentation on the application.
  • Divorce – there was a divorce involving the policyholder or beneficiary.
  • Missed premium – the policy lapsed because of a missed premium.
  • Death circumstances – the circumstance of death was not covered (suicide, excluded illness)
  • Unavailable documentation – required documentation has not been received (statements, death certificates, medical reports, etc.)
  • Many more excuses – there are many other excuses that insurance companies use to deny, delay or underpay claims.

The law gets complicated quickly and trying to fight a large insurance company without a lawyer is very difficult. We know the law. The Law Offices of Scott Glovsky has been filing cases against insurance companies since 1999. We have beaten the largest insurance companies in California in trial.

Your Rights When A Life Insurance Claim Is Denied

California law requires an insurance company to act in “good faith” when processing a life insurance claim. The insurance company cannot deny your claim without a good – and legitimate- reason for doing so. If an insurance company violates the law, they can face severe penalties.

Generally, an insurance company must have policies and procedures in place to review and pay claims. They must investigate claims, determine coverage and pay proper values. They must follow applicable laws and regulations. When they violate one or more of these, they may be acting in bad faith.

How Life Insurance Denial Attorneys Can Help You

Fighting an insurance company can be a daunting challenge. There are often specific laws and procedures that must be followed to preserve and maximize your rights. Communicating with a life insurance company without a lawyer may result in information that does not maximize your claim.

We have extensive experience fighting insurance company claim denials. We know how insurance companies use interpretations of generalized policy language to deny claims. We know how they use broad exclusions to deny life insurance claims such as claiming certain deaths are suicide or caused by an excluded illness.

When an insurance company denies your life insurance claim for bad reasons, you may have a bad faith insurance case. We are experienced in insurance law, benefits issues and challenging denied claims. This helps us uncover unscrupulous behavior such as improperly denying life insurance claims without adequate reasons and claiming that people died as a result of an excluded condition.

We represent policyholders and their beneficiaries in lawsuits for benefits and proceeds of life insurance and accidental death and dismemberment policies. We ensure that you get the insurance benefits that you or your loved one paid for.Call us today if your insurance company has denied your life insurance claim or you believe you’ve been underpaid. Consultations are free and we charge no fee unless you recover.

We Take Non-ERISA Cases

Individuals may be subject to a law called ERISA (Employee Retirement Income Security). We focus on non- ERISA cases. Call us and we can help determine if your case falls under ERISA or not. Generally, non-ERISA policyholders fall into the categories below:

You’re a Government Employee

  • Employees of government entities – local, county, city, state, or federal

Individually Obtained Insurance Policy

  • You purchased your own insurance as an individual, not part of any business

You Work For a Religious Organization

  • Employees of religious organizations

You’re a Business Owner – And Your Policy Covers no Employees Other Than the Business Owners

  • Individually issued to an owner of business where no other employee is insured under the policy

Contact a California Life Insurance Claim Denial and Dispute Attorney


If your life insurance claim is denied, you need legal representation. For a free consultation, call us at (626) 604-6973 or send us an inquiry form by clicking here or completing the form below. We want to help.