What to Do If LifeSecure Insurance Company Denied Your Life Insurance Claim

A denied claim from LifeSecure Insurance Company can add stress and uncertainty to a situation that’s already emotionally difficult. Life insurance benefits are often a vital safety net for families, helping them handle final expenses, debts, and ongoing financial needs. When a claim is rejected, it’s important to understand that this isn’t necessarily the end of the road. Many beneficiaries are able to appeal and ultimately receive the benefits they deserve. If your claim has been denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We can help you understand the reasons for the denial and guide you through the steps needed to challenge the decision.

Common Reasons LifeSecure Denies Claims

Before you can appeal a denial, it’s important to know why LifeSecure Insurance Company may have rejected your claim. Common reasons may include:

• Policy Lapse Due to Nonpayment:
  A frequent cause of denial is a policy lapse. If premiums were not paid on time, LifeSecure may argue that the policy was no longer in force when the policyholder passed away. Providing proof of payment, showing evidence of failure to put you on proper notice of the impending lapse, or presenting documentation that demonstrates the policyholder’s intent to keep the policy active can help address this type of denial.
• Contestability Period Issues:
  Life insurance policies often have a contestability period—usually the first two years—when claims are carefully reviewed. If LifeSecure finds errors in the application, such as omitted medical conditions or inaccuracies, they may deny the claim. Correcting these errors with additional medical records, proper documentation, and clear explanations can strengthen your appeal.
• Policy Exclusions or Limitations:
  Certain policies include exclusions that prevent payouts under specific circumstances. Reviewing the policy’s terms carefully can help determine if the exclusion was properly applied. If it wasn’t clearly stated or enforced correctly, you may have grounds to appeal the denial.
• Beneficiary Disputes or Changes:
  If multiple claimants come forward or if there are recent changes to the beneficiary designation, LifeSecure may withhold payment until the matter is resolved. Seeking legal assistance can clarify beneficiary rights and help ensure benefits are distributed according to the policyholder’s wishes.
• Missing or Incomplete Documentation:
  Claims may also be denied if required documents—such as a certified death certificate, completed claim forms, or proof of beneficiary status—are incomplete or missing. Ensuring that all paperwork is accurate and fully submitted can help prevent or resolve this type of denial.

Steps to Take After Receiving a Denial

If LifeSecure denies your claim, consider these steps to strengthen your appeal and improve your chances of success:

1. Review the Denial Letter Thoroughly:
   Carefully read the denial letter to understand the reasons for rejection and the appeal process. Knowing why LifeSecure denied your claim can guide you in gathering the appropriate evidence to support your case.
2. Gather Supporting Documentation:
   Collect all relevant records, including:
   • A copy of the life insurance policy and any riders or amendments
   • Proof of premium payments
   • Medical records that address any contested health conditions
   • Certified death certificates
   • Correspondence with LifeSecure Insurance Company
   • Documentation confirming your beneficiary status
   A well-prepared set of documents will help you build a stronger case.
3. Submit a Detailed Appeal:
   Follow the appeal instructions provided by LifeSecure. Clearly explain why the denial was incorrect, supported by the evidence you’ve gathered. A detailed, well-documented appeal may increase the likelihood of a favorable outcome.
4. Consult a Life Insurance Attorney if Necessary:
   If the appeal process feels overwhelming or if your initial appeal is denied, consulting a life insurance attorney can provide critical support. An experienced attorney can:
   • Identify errors in LifeSecure’s reasoning
   • Help you gather additional evidence to strengthen your case
   • Represent you in negotiations or legal proceedings if necessary
5. Consider Filing a Complaint With State Regulators:
   If your appeal is unsuccessful, filing a complaint with your state’s insurance department may prompt further investigation. While this step doesn’t guarantee approval, it can lead to additional scrutiny and potentially a resolution.

Florida Claims Against LifeSecure Insurance Company

For Florida residents, challenging a claim denial may involve understanding state-specific insurance regulations. Florida’s consumer protections and insurance laws offer certain safeguards that can help beneficiaries contest unfair claim denials. Working with a Florida-based attorney who understands these rules can strengthen your appeal and improve your chances of recovering the benefits you’re owed.

How the Law Offices of Jason Turchin Can Help

If LifeSecure Insurance Company has denied your life insurance claim, the Law Offices of Jason Turchin can help. Our experienced attorneys have handled many life insurance disputes and know how to challenge claim denials. We can carefully review your case, identify any 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.