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How to Avoid a Life Insurance Claim Denial

In order to ensure that your beneficiaries are not overwhelmed during an already emotional time, verify that your life insurance provider has accurate information and that you understand your policy. The burden of avoiding a claim denial lies with the policy holder. To ensure that your claim is not denied and payout process is smooth as possible, follow the tips below:

  • Ensure Your Application is Accurate: It may be tempting to omit information to get cheaper life insurance rates, however it may be more harmful in the long run. Be honest on your application to ensure your claim won’t be denied due to material misrepresentation.

  • Understand Your Policy: Ensure that you know exactly what your policy entails. Consider meeting with a licensed life insurance professional who can guide you through the different types of life insurance policies and can help you choose the best one for you.

  • Pay Your Premiums: Be sure to pay your life insurance premiums on time to eliminate the chances of your coverage lapsing. Consider arranging for automatic payments so you don’t forget to pay.

  • Review Your Application: Make sure to double check your application before submitting you final application. Carefully review everything to fix any unintentional errors.

  • Talk to Your Beneficiaries: Review your policy with your beneficiaries to ensure that they know your policy and how it pay outs. It may be a hard and emotional conversation; however it will help them in the long run.

Selecting and applying for life insurance can be scary and emotional, however it is necessary to ensure your beneficiaries have a safety net. Consider talking to an attorney to help determine how to avoid a life insurance claim denial.

Get in touch with the Ellenberg Law Group for help selecting a policy or learning more about your options. Our Philadelphia lawyers are experienced and skilled advocates for clients and help our clients get the best policy for them. Contact our law firm now to arrange your completely confidential initial legal consultation. With a legal office in Philadelphia, we provide legal services to businesses throughout Southeastern Pennsylvania, including in Montgomery County, Chester County, and Bucks County.

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