How to write a appeal letter for denied life insurance?
Answer:
Hey Honey,,, sorry about your Mom,,, mine died several yrs ago and the paper work was a nightmare,,,,,,,
Hmmm,,,,, You should tell that attorney to write you up one is what I would think ! That is what he gets paid for... the jerk. call his legal sec. and talk to her.. she should help you out..
good luck
go to insurance ombudsman's office.
Has she been paying premiums on the life insurance? If so they cannot deny you the payment. Here is how it works:
If she had a binding application, meaning they took money from her and provided her with coverage and she has continued to keep her premiums current then they are obligated by law to pay when she passes away.
If she had a non-binding application, meaning no money was exchanged and she has not been making continous payments, then they are not obligated to pay.
I have to agree, get a new attorney. They should be handling all of your appeals. I am not an attorney so maybe someone on this board is and can help you pick the correct one who specializes in insurance law.
I hope it all works out for you.
I am sorry about your moms passing. I am a financial planner who does quite a bit of estate work, and I do quite a bit with insurance companies.
If you need help, I am willing to help you free of cost. Email me and I will email you back my phone #, and I will do my best to get the insurance company to pony up the money.
It sounds to me as if the insurance company is trying to screw you out of the money.
Good luck.
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Why does people wnat other people to do their job? If you do it the first time, then you'll be able to do it the sencod time!!
I don't know if you saw my answer under your other question, but here it is:
http://answers.yahoo.com/question/index;.
I suggest you contact your state's insurance commissioner and file a written complaint. It will conduct an investigation for you, at no charge, to determine whether UnumProvident followed the law when it denied your claim. If it denied the claim illegally or contrary to the terms of the policy, they can force the insurer to pay the claim.
I hope this helps. Please send me a message if you need more information.
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