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

A denial from Midland National Life Insurance Company can leave you feeling overwhelmed, especially if you were counting on the benefits to help cover final expenses or provide financial security. However, it’s important to know that a denied claim isn’t necessarily the end of the process. Many claims can be successfully appealed, giving you the chance to recover the benefits you deserve. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We can guide you through the appeals process and work with you to challenge the denial.

Common Reasons Midland National Denies Claims

Understanding why Midland National Life Insurance Company denied your claim is the first step in preparing an effective appeal. Some of the most common reasons include:

• Policy Lapse Due to Nonpayment:
  One of the leading reasons for a claim denial is that the policy lapsed before the insured’s death. Midland National may claim that the coverage ended due to unpaid premiums. Providing proof of payment, showing evidence of financial hardship, or demonstrating the policyholder’s intent to keep the policy in force can strengthen your appeal.
• Issues During the Contestability Period:
  Life insurance policies generally have a contestability period—typically the first two years—when claims undergo closer scrutiny. If Midland National discovers inaccuracies, omissions, or incomplete information in the application, they may deny the claim. Submitting corrected documentation, medical records, and clear explanations often improves the chances of a successful appeal.
• Policy Exclusions or Limitations:
  Certain policies have exclusions that limit payouts under specific circumstances. For instance, some policies exclude deaths resulting from high-risk activities or pre-existing conditions. Reviewing the policy terms carefully is essential to determine if the exclusion was correctly applied. If it wasn’t clearly stated or enforced properly, you may have grounds to challenge the denial.
• Beneficiary Disputes or Changes:
  If there are multiple claimants or if recent beneficiary changes are disputed, Midland National may withhold payment until the matter is resolved. Legal assistance may be necessary to clarify beneficiary rights and ensure the benefits are distributed according to the policyholder’s wishes.
• Missing or Incomplete Documentation:
  Claims may also be denied if critical documents—such as a certified death certificate, completed claim forms, or proof of beneficiary status—are missing or incomplete. Ensuring that all required paperwork is accurate and fully submitted can help prevent or address this type of denial.

Steps to Take After Receiving a Denial

If Midland National denies your life insurance claim, consider these steps to strengthen your appeal:

1. Review the Denial Letter Carefully:
   The denial letter will outline the reasons for rejection and provide instructions for appealing the decision. Understanding the insurer’s rationale is the first step in preparing your response.
2. Gather Supporting Evidence:
   Collect all relevant records, including:
   • A complete copy of the life insurance policy and any riders or amendments
   • Proof of premium payments
   • Medical and hospital records addressing any disputed health conditions
   • Certified death certificates
   • Correspondence with Midland National Life Insurance Company
   • Documentation verifying your beneficiary status
   A well-prepared set of documents will significantly strengthen your case.
3. Submit a Detailed Appeal:
   Follow the appeal instructions provided in the denial letter. Clearly explain why the denial was incorrect and support your argument with the evidence you’ve gathered. A thorough, well-documented appeal increases 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 provide invaluable support. An experienced attorney can:
   • Identify errors in Midland National’s reasoning
   • Help gather additional evidence
   • Represent you in negotiations or legal proceedings if necessary
   • File a life insurance lawsuit
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. While this step doesn’t guarantee approval, it can lead to additional scrutiny and potentially a resolution.

Example: Overturning a Denial Due to Application Inaccuracies

Scenario:
A policyholder discloses their medical history when applying for a Midland National life insurance policy. After the policyholder passes away, Midland National denies the claim, alleging that the application contained incomplete information about a pre-existing condition. The beneficiary provides detailed medical records showing that the disclosed condition had been accurately reported and that the condition had no connection to the cause of death. This evidence could help successfully overturn the denial, allowing the beneficiary to receive the policy’s death benefit.

Interpleader Lawsuits and Life Insurance

In some cases, Midland National may face disputes about the rightful beneficiary and choose to file an interpleader lawsuit. An interpleader is a legal process where the insurer deposits the policy’s proceeds with the court and asks the court to decide who should receive them. This often happens when:

• There are conflicting beneficiary designations
• Questions arise about the validity of a beneficiary change
• Multiple parties claim the same benefit

How to Approach an Interpleader:
If you’re named in an interpleader, it’s important to respond promptly and provide documentation supporting your claim. Working with a life insurance attorney can help ensure that your rights are protected and that your case is presented clearly and effectively to the court.

Florida Claims Against Midland National Life Insurance Company

Florida residents challenging a denial from Midland National may have certain protections under state law. Florida’s insurance regulations provide consumer safeguards that can be helpful during the appeals process. By working with a Florida-based attorney who is familiar with life insurance laws, you 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 Midland National Life Insurance Company denied your life insurance claim, the Law Offices of Jason Turchin can help. Our experienced attorneys have successfully handled numerous life insurance disputes and know how to challenge claim denials. We 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.