Getting a denial letter from a life insurance company can feel overwhelming. Don’t panic — you still have options. Here’s what to do next:

1. Read the Denial Letter Carefully

· Look for the specific reason the claim was denied (e.g., missed premium, alleged misrepresentation, policy exclusion).

· Keep the letter safe — it will guide your response.

2. Gather All Policy Documents & Correspondence

· Collect the original policy, amendments, payment records, and any communication with the insurer.

· Having everything organized strengthens your position and speeds up review.

3. Do NOT Take the Insurance Company’s Word at Face Value

· Many denials are improper or challengeable.

· Insurance companies often rely on technicalities or vague exclusions that may not hold up under legal scrutiny.

4. Avoid Giving Additional Statements Without Advice

· The insurer may ask you to provide more information or sign documents.

· Don’t respond until you’ve spoken with someone who understands life insurance law — your words can be used against you.

5. Get a Legal Review Right Away

· An experienced attorney can quickly tell you if your denial is weak, and whether to appeal, negotiate, or file suit.

· Many cases are reversed once challenged.

· Act quickly: delays can limit your rights.

Bottom Line: A denial is not the end. With the right steps, many families recover the benefits they’re owed.

For more information, visit: https://www.sarrafgentile.com/life-insurance-disputes-short