Life Insurance Claim Law - We Can Help

New Jersey and New York

Life Insurance Claims

Experienced Advocacy For At A Most Vulnerable Time

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• Cause of death — UQUR represented the family of a person who had high altitude pulmonary edema, a rare medical condition, who died of a seizure aboard a commercial carrier. The policy language covered only death by "natural causes".  The insurer claimed the cause was "accidental death" brought on by high altitude. After UQU&R's legal team found that this precise issue had been decided against an insurance carrier in a similar case in California, the insurer paid the claim.

• Incontestability — An insurance company may deny life insurance claims because of omitted facts or misstated information on the application for insurance. UQU&R argues incontestability if the information was provided in good faith and the carrier continued to collect premiums for several years without noticing the errors. The insurers must prove intentional fraud to cancel coverage.

• Pre-existing Conditions — Many insurance companies, when faced with paying out on a life policy, deny benefits because they say that the deceased concealed a medical condition when applying for the policy so as to qualify for coverage. UQU&R has won policy payouts with the counter-argument of post-claim underwriting: that is, that the insurance carrier was happy to take the deceased's premiums without checking available data, and only scrutinized medical information after a claim was filed.