What to Do If Liberty National Life Insurance Company Denied Your Life Insurance Claim

A denied claim from Liberty National Life Insurance Company can leave beneficiaries feeling uncertain and overwhelmed, especially if they depend on those funds for final expenses and financial stability. While a claim denial can be disheartening, it’s important to know that many denials can be successfully challenged. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We’re here to help you navigate the appeals process and fight for the benefits you deserve.

Common Reasons Liberty National Denies Claims

Understanding the reason for a denial is the first step in preparing a successful appeal. Liberty National Life Insurance Company may deny claims for a variety of reasons, including:

• Policy Lapse Due to Missed Payments:
  A common cause of denial is a policy lapse. If premiums were not paid on time, Liberty National may claim that coverage was no longer in effect at the time of death. In these cases, providing proof of payment, evidence of financial hardship, or documentation showing the policyholder’s intent to maintain coverage can help support an appeal.
• Contestability Period Issues:
  Most policies have a contestability period—typically the first two years—during which claims are closely scrutinized. If Liberty National finds discrepancies, such as omitted health conditions or application errors, they may deny the claim. Submitting corrected documents, additional medical records, and clear explanations can help address these issues and improve the chances of a successful appeal.
• Policy Exclusions or Limitations:
  Certain policies have exclusions that limit coverage under specific conditions. If the insurer cites an exclusion—such as a claim involving certain activities or pre-existing conditions—it’s often crucial to review the policy’s terms carefully. If the exclusion was applied incorrectly or wasn’t clearly stated, you may have grounds to challenge the denial.
• Beneficiary Disputes or Changes:
  If there are conflicts over the designated beneficiary, such as multiple claimants or recent changes to beneficiary designations, Liberty National may withhold payment until the matter is resolved. Legal assistance may be needed to clarify beneficiary rights and ensure the benefit is paid as intended.
• Missing or Incomplete Documentation:
  Claims may be denied if required paperwork—such as a certified death certificate, completed claim forms, or proof of beneficiary status—is incomplete or missing. Ensuring all documents are accurate and fully submitted can help prevent or resolve this type of denial.

Steps to Take After Receiving a Denial

If your claim is denied by Liberty National Life Insurance Company, consider these steps to strengthen your appeal:

1. Review the Denial Letter Thoroughly:
   The denial letter will explain why the claim was rejected and outline the process for appealing the decision. Understanding the specific reasons will help you focus on gathering the right evidence to support your case.
2. Collect Supporting Evidence:
   Compile all relevant records, including:
   • A complete copy of the life insurance policy and any amendments or riders
   • Proof of premium payments or documentation of financial hardship
   • Medical and hospital records addressing any contested health conditions
   • Certified death certificates
   • Correspondence with Liberty National Life Insurance Company
   • Documentation verifying beneficiary status
3. Submit a Formal Appeal:
   Follow the instructions provided by Liberty National to submit a formal appeal. Clearly explain why the denial was incorrect and back up your argument with the evidence you’ve gathered. A detailed and well-documented appeal increases your chances of success.
4. Consult a Life Insurance Attorney if Necessary:
   If your initial appeal is denied or if you’re unsure how to proceed, consulting a life insurance attorney can make a significant difference. An experienced attorney can:
   • Identify errors in Liberty National’s reasoning
   • Help gather additional evidence and clarify policy terms
   • Represent you in negotiations or legal proceedings, if needed
5. Consider Filing a Complaint With State Regulators:
   If all else fails, filing a complaint with your state’s insurance department may prompt a review of the denial. While this doesn’t guarantee approval, it can lead to additional scrutiny and potentially a resolution.
6. File a Life Insurance Lawsuit
   • If the life insurance company improperly denied your claim, you could file a life insurance lawsuit to recover the benefits you deserve.

Florida Claims Against Liberty National Life Insurance Company

For Florida residents, appealing a denial from Liberty National Life Insurance Company may involve understanding state-specific insurance laws. Florida’s consumer protections can provide valuable tools for challenging claim denials. By working with a Florida-based attorney, you can leverage these protections to strengthen your appeal. Whether the denial involves a policy lapse, contestability period issue, or beneficiary dispute, understanding Florida’s insurance regulations can sometimes help improve your chances of recovering the benefits you’re owed.

How the Law Offices of Jason Turchin Can Help

A denial from Liberty National Life Insurance Company doesn’t always have to mean the end of your claim. At the Law Offices of Jason Turchin, we have extensive experience helping clients challenge life insurance denials. Our life insurance lawyers can carefully review your case, identify errors in the denial, and guide you through the appeals process. Call us at 800-337-7755 or start a live chat today to learn more about how we can assist you.