What to Do If Royal Neighbors of America Denied Your Life Insurance Claim

Receiving a denial from Royal Neighbors of America can be disheartening and confusing. Life insurance benefits often provide critical financial stability after a loved one’s passing, so when a claim is denied, you may feel unsure of where to turn. Fortunately, a denial isn’t always the final word. You can successfully appeal many denied claims. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We can help you understand the denial and guide you through the process of challenging it.

Why Claims May Be Denied by Royal Neighbors of America

Understanding why your claim was denied is the first step in mounting a successful appeal. Common reasons Royal Neighbors of America may deny claims include:

• Policy Lapse or Nonpayment of Premiums:
  A lapse in coverage due to unpaid premiums is one of the most common reasons for claim denials. However, if the insurance company failed to provide proper lapse notices or did not adhere to state requirements, the policy may still be in effect. You should verify whether all required notifications were sent on time and complied with state laws, as this can be a critical step in challenging a denial based on lapse.
• Contestability Period Issues:
  Most life insurance policies have a contestability period, typically the first two years, during which the insurer may review claims more closely. If Royal Neighbors finds inconsistencies in the original application—such as omitted medical history or inaccurate personal details—they may question the claim’s validity. Providing clear documentation and medical records can help address these concerns and support your appeal.
• Policy Exclusions or Specific Limitations:
  Life insurance policies often have exclusions that prevent payouts under certain conditions, such as death resulting from high-risk activities or specific health conditions. You must review the policy terms to determine whether the exclusion was applied correctly. If not, you may have grounds to challenge the denial.
• Beneficiary Designation Issues:
  Disputes over who is entitled to the policy proceeds can also lead to claim denials. This may happen if the beneficiary was changed shortly before the insured’s death. It can also occur if multiple parties claim to be the rightful beneficiary. Supplying documents that verify the policyholder’s intentions, along with any relevant correspondence, can help resolve these disputes.
• Missing or Incorrect Documentation:
  Claims can also be denied if required paperwork—such as certified death certificates, completed claim forms, or proof of beneficiary status—is incomplete or missing. Ensuring all documents are accurate and up-to-date can help prevent a denial or strengthen an appeal.

Steps to Take After a Claim Denial

When your claim is denied, taking prompt and thorough steps can improve your chances of overturning the decision. Consider the following:

1. Carefully Review the Denial Letter:
   The denial letter from Royal Neighbors should explain why your claim was rejected and outline the steps for filing an appeal. Understanding the insurer’s reasoning is the first step in preparing a strong appeal.
2. Gather All Relevant Documents:
   Collect all documents related to the policy and the claim, including:
   • The full policy document, including any riders or amendments
   • Proof of premium payments
   • Medical records and certified death certificates
   • All correspondence with Royal Neighbors of America
   • Documents verifying beneficiary status
3. Draft a Detailed Appeal Letter:
   In your appeal, clearly address the reasons for the denial. Point out any errors, provide supporting documentation, and clearly explain why the insurer should pay the claim. A well-organized and persuasive appeal can increase your chances of success.
4. Consider Legal Assistance:
   If you’re unsure how to proceed or if the insurer denies your appeal, consulting a life insurance attorney may help. An experienced attorney can identify legal errors, compile further evidence, and advocate on your behalf during the appeals process.
5. File a Complaint With Regulators if Necessary:
   If internal appeals don’t yield results, you can file a complaint with your state’s insurance department. Regulatory authorities can review the denial and may push the insurer to reconsider their decision.

Interpleader Lawsuits and Disputed Beneficiaries

In situations where multiple parties claim the same life insurance benefits, Royal Neighbors may file an interpleader lawsuit. This lets the company deposit the proceeds with a court and have the court decide who is entitled to the funds. If you’re involved in an interpleader, you should provide comprehensive documentation—such as the original beneficiary designations and any changes—to support your claim. It’s often wise to hire legal representation to protect your interests and clearly present your case in court.

Florida-Specific Considerations

For Florida residents, state insurance laws offer additional protections. Florida’s regulations require insurers to send proper lapse notices and comply with specific procedures before denying claims. If Royal Neighbors failed to follow these rules, it could strengthen your appeal. Working with a Florida-based attorney may help identify any violations of these consumer protection laws and use them to your advantage.

Frequently Asked Questions (FAQs)

What should I do if my claim was denied due to a policy lapse?
Check whether Royal Neighbors followed the state’s required notification procedures. If the insurer failed to send proper lapse notices or didn’t meet legal standards, the policy may still be valid. This could give you grounds to appeal.

Can I challenge a contestability period denial?
Yes, if the denial was based on errors or omissions in the application, you can respond with additional documentation. Medical records or corrected information can help clarify the issue. This can help show that the discrepancies weren’t intentional and didn’t affect the policy’s validity.

What if multiple beneficiaries are named, or the designation is unclear?
If there’s confusion over the rightful beneficiary, gather documents that verify the policyholder’s intent. This might include correspondence with the insurer or signed beneficiary designation forms. Consulting with a life insurance attorney can help clarify your position and protect your rights.

What documents are typically required for a claim appeal?
Common documents include a full copy of the life insurance policy, proof of premium payments, certified death certificates, and completed claim forms. You should also include any correspondence with Royal Neighbors regarding the claim.

How the Law Offices of Jason Turchin May Help

If Royal Neighbors of America denied your life insurance claim, the Law Offices of Jason Turchin may be able to help. We draw on our extensive experience with life insurance disputes to guide you through the appeals process and fight for the benefits you deserve. Call us at 800-337-7755 or start a live chat today to learn more.