What to Do If Security Life of Denver Insurance Company Denied Your Life Insurance Claim

Receiving a denial from Security Life of Denver Insurance Company can be a frustrating and disheartening experience. Life insurance benefits are often intended to provide financial support during challenging times, and a denial can leave families wondering how to move forward. Fortunately, many denied claims can be successfully appealed. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We can try to help explain the reasons for the denial and guide you through the steps to contest it.

Common Reasons for Denial by Security Life of Denver Insurance Company

Understanding why a claim was denied is the first step toward preparing a strong appeal. Some of the most common reasons Security Life of Denver Insurance Company may deny a life insurance claim include:

• Policy Lapse Due to Unpaid Premiums:
  A policy lapse often occurs when premiums are not paid on time. If Security Life of Denver did not send proper lapse notices or failed to meet state notification requirements, the policy may still be considered active. Reviewing whether the proper notifications were sent can help determine if the denial was appropriate.
• Application Discrepancies or Errors:
  Claims can be denied if the insurer finds inconsistencies in the original policy application. Even minor omissions, such as a previously undisclosed medical condition, can lead to rejection. By providing accurate documentation and a clear explanation, you may be able to address these concerns and strengthen your appeal.
• Policy Exclusions or Restrictions:
  Some life insurance policies include exclusions for certain causes of death or activities. If Security Life of Denver applies an exclusion, reviewing the policy’s terms is crucial to determine if it was used correctly. If not, you may have grounds to challenge the denial.
• Disputes Over Beneficiary Designations:
  Confusion or disputes about the rightful beneficiary can delay or prevent a claim payout. If there were recent changes to the beneficiary list or conflicting claims, the insurer might hold the payment until the matter is resolved. Supplying clear evidence of the policyholder’s intent can help move the claim forward.
• Missing or Incomplete Documentation:
  Claims may be denied if essential documents—such as a certified death certificate or completed claim forms—are missing or incomplete. Ensuring that all paperwork is accurate and fully submitted can prevent denials and support a successful appeal.

Steps to Take After Receiving a Denial

If Security Life of Denver denies your claim, the following steps can help you work toward a resolution:

1. Review the Denial Letter Thoroughly:
   The denial notice should provide details on why the claim was rejected and what steps are available for appeal. Understanding the insurer’s reasoning is key to crafting a strong response.
2. Collect Relevant Documents:
   Gather all necessary records, including:
   • The full policy document and any amendments
   • Proof of premium payments and lapse notices
   • Certified death certificates and medical records, if applicable
   • Correspondence with Security Life of Denver
   • Any beneficiary designation forms or updates
3. Prepare a Comprehensive Appeal Letter:
   Address the denial reasons directly in your appeal. Include additional documentation, clarify any errors or discrepancies, and ensure that the appeal is well-organized. A detailed and thorough appeal can greatly improve your chances of success.
4. Consult a Life Insurance Attorney:
   If the process feels overwhelming or if your initial appeal is denied, consulting a life insurance attorney may provide critical support. An experienced attorney can identify procedural errors, gather further evidence, and advocate on your behalf.
5. Consider Filing a Complaint With State Regulators:
   If your appeal is unsuccessful, filing a complaint with your state’s insurance department can prompt further review. Regulatory authorities can investigate whether Security Life of Denver followed proper procedures and may encourage the insurer to reconsider the claim.

Example of a Claim That Could Be Denied

A claim might be denied if the insured didn’t disclose a medical procedure on their application. If Security Life of Denver later finds that the omission influenced their underwriting decision, they may reject the claim. However, if the procedure was unrelated to the cause of death, you could provide medical records and other documentation to show that the omission was not material. This could help support an appeal and lead to a successful outcome.

Interpleader Lawsuits and Beneficiary Disputes

In some cases, disputes over the rightful beneficiary can lead Security Life of Denver to file an interpleader lawsuit. This process involves the insurer depositing the policy proceeds with a court, leaving it to the court to determine who should receive the funds. If you are involved in an interpleader, providing clear documentation—such as original and updated beneficiary forms and any correspondence—can help clarify the policyholder’s intent. Legal guidance is often necessary to protect your rights in these situations.

Florida Claims Against Security Life of Denver Insurance Company

If you are in Florida, additional protections may apply. Florida’s insurance regulations require insurers to follow specific notification procedures before denying a claim. If Security Life of Denver did not comply with these requirements, it could strengthen your appeal. Working with a Florida-based attorney can help identify any procedural errors and use them to support your case.

Frequently Asked Questions (FAQs)

What should I do if my claim was denied due to a lapse in premium payments?
Verify whether Security Life of Denver sent the required lapse notices. If the company did not follow state notification rules, the policy might still be valid, providing grounds for appeal.

Can I appeal a denial based on a contestability period issue?
Maybe. If the denial was due to discrepancies in the application, you can provide additional documentation and clarifications to demonstrate that the errors were immaterial or unintentional.

What if there’s a dispute over the rightful beneficiary?
Gather evidence that shows the policyholder’s intent, including original beneficiary forms and any updates. A life insurance attorney can help clarify your position and protect your rights.

What if Security Life of Denver applied an exclusion incorrectly?
Review the policy’s terms carefully. If you believe the exclusion doesn’t apply, submit evidence that demonstrates why the denial was incorrect. A detailed appeal can help clarify the situation and potentially reverse the denial.

How the Law Offices of Jason Turchin May Help

If Security Life of Denver Insurance Company denied your life insurance claim, the Law Offices of Jason Turchin may be able to help. With experience handling life insurance disputes, we can guide you through the appeals process and work to secure the benefits you deserve. Call us at 800-337-7755 or start a live chat today to learn more.