What to Do If Midwestern United Life Insurance Company Denied Your Life Insurance Claim

A life insurance claim denial from Midwestern United Life Insurance Company can cause frustration and uncertainty, especially if you were relying on the benefits to cover expenses or provide financial support. However, it’s important to remember that a denial isn’t always final. Many claims can be successfully appealed, allowing beneficiaries to recover the payouts they’re entitled to. 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 reasons behind the denial and guide you through the appeals process.

Common Reasons Midwestern United Denies Claims

Understanding why your claim was denied is the first step toward building a strong appeal. Common reasons for denial include:

• Policy Lapse Due to Nonpayment:
  One of the most common reasons for denial is a policy lapse. If Midwestern United claims that the policy was no longer active at the time of death, they may deny the claim. Providing proof of payment, demonstrating financial hardship, or showing documentation of the policyholder’s intent to keep the policy in force can strengthen your appeal.
• Issues During the Contestability Period:
  Most life insurance policies include a contestability period—typically the first two years—when claims are closely reviewed. If the company identifies inaccuracies, omissions, or errors in the application, they may deny the claim. Submitting corrected documents, additional medical records, and clear explanations often improves the chances of a successful appeal.
• Policy Exclusions or Limitations:
  Certain policies contain exclusions that prevent payouts under specific circumstances. For instance, some policies exclude deaths resulting from certain activities or pre-existing conditions. Reviewing the policy terms carefully can help determine whether the exclusion was properly applied. If it wasn’t clearly stated or correctly enforced, you may have grounds to challenge the denial.
• Beneficiary Disputes or Changes:
  If multiple claimants or recent beneficiary changes are disputed, Midwestern United may withhold payment until the matter is resolved. Legal assistance may be needed to clarify beneficiary rights and ensure that benefits are distributed according to the policyholder’s wishes.
• Missing or Incomplete Documentation:
  Claims may be denied if required documents—such as a certified death certificate, completed claim forms, or proof of beneficiary status—are missing or incomplete. Ensuring that all necessary paperwork is accurate and fully submitted can help prevent or address this type of denial.

Steps to Take After Receiving a Denial

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

1. Review the Denial Letter Thoroughly:
   The denial letter will outline the reasons for rejection and provide instructions on how to appeal. Understanding the insurer’s rationale is the first step in preparing your response.
2. Gather Supporting Documentation:
   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 Midwestern United Life Insurance Company
   • Documentation verifying beneficiary status
   A thorough, well-organized set of documents will significantly strengthen your case.
3. Submit a Detailed Appeal:
   Follow the appeal instructions provided by Midwestern United. Clearly explain why the denial was incorrect and support your argument with the evidence you’ve gathered. A detailed, thorough 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 Midwestern United’s reasoning
   • Help 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. While this step doesn’t guarantee approval, it can lead to additional scrutiny and potentially a resolution.

Hypothetical Example: Successfully Contesting a Policy Lapse Denial

Scenario: A policyholder regularly paid premiums, but a brief financial setback caused a missed payment before their passing. A life insurance company denied the claim, citing a policy lapse. The beneficiary submitted proof of timely payments. By presenting this evidence, the denial was overturned, and the beneficiary received the full death benefit.

Interpleader Lawsuits and Life Insurance

In some cases, Midwestern United may face disputes over the rightful beneficiary, leading to an interpleader lawsuit. An interpleader occurs when the insurer deposits the policy proceeds with a court and asks the court to determine who should receive them. This often happens when:

• There are conflicting beneficiary designations
• Questions arise about the validity of a beneficiary change
• Multiple claimants assert rights to the policy’s benefits

How to Approach an Interpleader:
If you’re involved in an interpleader, it’s often essential 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 Midwestern United Life Insurance Company

Florida residents challenging a denial from Midwestern United 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 these laws, you can sometimes strengthen your appeal and improve your chances of recovering the benefits you’re owed.

How the Law Offices of Jason Turchin Can Help

If Midwestern United 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.