• New Look Coming Soon! – Check back for our new website!

Adjust Font Size:

The benefits from a life insurance policy are often the only thing that keeps a family financially afloat after the death of a loved one. Unfortunately, insurance companies sometimes wrongly deny life insurance claims. Call today to see if we can help: 401-331-6300. The attorneys at Chisholm Chisholm & Kilpatrick LTD have years of experience helping people just like you appeal life insurance claim denials. We often handle cases for clients with no upfront or out-of-pocket cost to them, on a contingency basis. That means that clients pay us only if we recover money for them, and only out of the recovery. Call us now, there is no charge for our consultation to determine if we can assist you.

Why would an insurer deny my life insurance claim?

Here are some common reasons why insurers deny life insurance claims.

Inaccurate information in the policy application.

Under many policies, the insurer has the right to contest coverage if the insured dies within two years of the policy date. The insurer can investigate whether the insured provided inaccurate information in the policy application. If there is a material inaccuracy (generally one that would have impacted the insurer’s risk or the underwriting process) the insurer might deny the claim. Some common issues used to deny benefits include:

  • Pre-existing health conditions
  • Risky hobbies or activities
  • Unhealthy lifestyles or habits
  • Smoking
  • Illegal drug use
  • Hazardous occupation
  • Income
  • Age

The cause of death is covered by a “policy exclusion.”

Sometimes, an insurer will deny your claim based on certain exclusions listed in the policy. A very common policy exclusion is suicide of the insured. Often, no benefits will be paid if the insured dies by suicide.

Other policy exclusions may bar claims when the insured died after consuming drugs or alcohol.  Even death resulting from a car crash could be excluded if the insurance company takes the position that the insured was driving recklessly.

Determining whether a cause of death is a policy exclusion requires careful analysis of the insurance policy and the applicable law.

Your policy lapsed.

If your loved one’s employer allowed the policy to lapse (i.e., stopped paying the monthly premiums), this can complicate matters. We can discuss your case with you and determine whether you might be eligible to file a claim against the employer.

Sometimes benefits should have continued even though premiums were not paid. Many policies contain life insurance waiver of premium benefits that provide continued life insurance, to the maximum coverage period, at no charge so long as the insured meets the policy definition of disability.

You did not follow the correct procedures.

Many life insurance policies have specific claim procedures that you must follow. If you neglected a step, the insurer might deny your claim. However, there may be arguments that errors, which did not prejudice the insurer, should not result in the denial of benefits. Our experienced insurance attorneys can determine whether your claim should be paid.

What can our attorneys do to help?

At Chisholm Chisholm & Kilpatrick LTD, we have years of experience representing grieving families who are being deprived the life insurance benefits owed to them. We understand that dealing with unhelpful insurers is the last thing you need during this difficult time.

We would like to speak with you and review your documents to determine if we can help you. We may ask you for the following:

  • The life insurance policy: We will review the specific terms of the policy to determine the level of coverage available and applicable exclusions.
  • Denial letters and other correspondence from the insurer: When it denies your claim, your insurer should provide you with a letter explaining the denial. This letter may contain important information that helps us determine how to best serve you. We will also look for written evidence that shows the insurer acted in bad faith by unnecessarily delaying or denying your benefits.
  • Don’t delay contacting us because you don’t have your documents. Sometimes we can help you by collecting the documents from the insurance company for you.  Call us now; there is no charge for our consultation to determine if we can assist you.

We take the burden of dealing with the insurance company away from our clients. We perform the investigation and legal research. We use our years of experience to put a plan together for our clients’ cases. We write and file their appeals and, in appropriate cases, are ready to file a lawsuit to fight the insurance company in state or federal court. We often handle cases for clients with no upfront or out-of-pocket cost to them, on a contingency basis. That means that clients pay us only if we recovery money for them, and only out of the recovery.

Schedule your free consultation with Chisholm Chisholm & Kilpatrick LTD.

If you are a beneficiary of a life insurance policy and you have not received the benefits you are owed, contact our attorneys today at 401-331-6300.

« Return to the ERISA & Insurance Litigation Resource Center



  • It has been one of the best legal experiences that I have personally encountered. Their follow up and their follow thru has been on perfect terms. Wow, they have given me a celebrity experience! Impressive! Read More » K. Nade, October 2017
  • These people are FANTASTIC!!! I highly recommend this firm to Veterans everywhere. Honest Legal Help like this is priceless and they are extremely skilled. So Satisfied with the results...5 stars!! Read More » Anonymous, October 2017
  • I cannot begin to say how grateful I am to this Firm. From the Class A staff to the Lawyers, there are no complaints. Everyone treated me fantastic!! After 30 yrs of fighting on my own, they were able to win my case in less than 15 months. Read More » C. Marie, September 2017
  • My case was initially rejected by the VA but with the thorough review by CC&K , the VA agreed with the case that CC&K made and awarded my initial rating of 30% retroactive to 1975. Read More » Edward M., September 2017
  • We had struggled for eight plus years, with the VA, and got nowhere. Our case was sent to CC&K and in less than one year, we were they won all his back pay and 100% rating. We could not be more pleased. We highly recommend this firm for anyone struggling with the VA. Read More » Anonymous, September 2017
  • I thought I could go it alone. I filed several disability claims through the VA only to be denied over and over again. I knew I needed help. I found that help with the law firm of Chisholm Chisholm & Kilpatrick. They filed for me and won. Read More » Gene W., July 2017
  • I'm so glad we sought the help of CCK on my husband's VA claim. We had been going back and forth with the VA for 5 years on his claim without seeing any progress. Then we found CCK and the case was resolved in about a year! Read More » Sarah C., June 2017
  • I was fighting for my VA disability compensation for 10 years. I was ready to give up and then CCK took my case. I immediately felt at ease because they kept me informed every step of the way and there was so much less stress for me. Read More » Raul B., March 2017
  • Badge
  • Badge
  • Badge
  • Badge
  • Badge
  • Badge
  • Badge
To Top
Click to call
Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages