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

Life insurance benefits are often meant to provide financial support for families after the loss of a loved one. If LifeShield National Insurance Company denied your life insurance claim, it can be a frustrating experience that leaves you unsure of how to proceed. The good news is that you can often challenge and successfully overturn claim denials. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We’ll explain the denial and guide you through the appeal process.

Common Reasons LifeShield Denies Claims

Understanding why LifeShield National Insurance Company denied your life insurance claim is the first step in preparing a strong appeal. Common reasons for denial include:

• Policy Lapse Due to Nonpayment:
  A common reason for denial is that the policy lapsed because the policyholder didn’t pay the premiums. If the insurer claims the policy was no longer in force at the time of death, you may need to provide proof of payment or evidence of the policyholder’s intent to maintain the policy. Financial hardship documentation and other records can also help counter this type of denial.
• Issues During the Contestability Period:
  Life insurance policies often have a contestability period—typically the first two years—when claims are carefully scrutinized. If LifeShield finds inaccuracies in the application, such as omitted health conditions or errors in personal information, they may deny the claim. Submitting corrected documents, additional medical records, and clear explanations can help address these issues and sometimes improve the chances of a successful appeal.
• Policy Exclusions or Limitations:
  Certain policies contain exclusions that prevent payouts under specific circumstances, such as deaths resulting from high-risk activities or pre-existing conditions. Reviewing the policy’s terms carefully can help determine whether the exclusion was applied correctly. If not, you may have grounds to challenge the denial.
• Beneficiary Disputes or Changes:
  If there are questions about the rightful beneficiary—such as multiple claimants or recent changes to the designation—LifeShield may withhold payment until the matter is resolved. Resolving these disputes often requires legal assistance to clarify beneficiary rights and ensure the benefits are distributed as intended by the policyholder.
• Missing or Incomplete Documentation:
  Claims may be rejected if essential documents—like a certified death certificate, completed claim forms, or proof of beneficiary status—are missing or incomplete. Ensuring all paperwork is accurate and fully submitted can help prevent or resolve this type of denial.

Steps to Take After Receiving a Denial

If your life insurance claim is denied by LifeShield National Insurance Company, consider these steps to build a strong appeal:

1. Review the Denial Letter Carefully:
   The denial letter should explain why the claim was rejected and provide instructions for filing an appeal. Understanding the rationale behind the denial can guide you in gathering the necessary evidence.
2. Gather Supporting Evidence:
   Collect all relevant records, including:
   • A copy of the life insurance policy and any riders or amendmentsProof of premium paymentsMedical and hospital records addressing any disputed health disclosuresCertified death certificatesCorrespondence with LifeShield National Insurance CompanyDocumentation confirming your beneficiary status
   A thorough and well-organized set of documents can help strengthen your case.
3. Submit a Formal Appeal:
   Follow the appeal instructions outlined by LifeShield. Clearly explain why the life insurance claim denial was incorrect, and support your argument with the evidence you’ve gathered. A detailed appeal can sometimes increase the likelihood of a favorable outcome.
4. Consult a Life Insurance Attorney if Needed:
   If your initial appeal is denied or if the process feels overwhelming, consulting a life insurance attorney can make a significant difference. An experienced attorney can:
   • Identify errors in the insurer’s reasoning
   • Help you gather additional evidence
   • Represent you in negotiations or legal proceedings if necessary
5. Consider Filing a Complaint With State Regulators:
   If your appeal fails, filing a complaint with your state’s insurance department may prompt further investigation into LifeShield’s handling of the claim. While this step doesn’t guarantee approval, it can lead to additional scrutiny of their business practices.

Florida Claims Against LifeShield National Insurance Company

For Florida residents, navigating a life insurance claim denial may involve understanding state-specific insurance regulations. Florida’s consumer protection laws offer certain safeguards that can help beneficiaries contest unfair denials. Working with a Florida-based attorney can help with your appeal and hopefully help you recover rightful benefits.

How the Law Offices of Jason Turchin Can Help

If LifeShield National Insurance Company denied your life insurance claim, you don’t have to handle the appeal on your own. The Law Offices of Jason Turchin has extensive experience helping clients challenge life insurance denials. Our team can carefully review your case, identify errors in the denial, and guide you through the appeals process. Reach out at 800-337-7755 or via live chat to get help today.