What to Do If LifeCare Assurance Company Denied Your Life Insurance Claim

A denial from LifeCare Assurance Company can leave beneficiaries feeling confused, frustrated, and overwhelmed. Life insurance benefits are often intended to help loved ones deal with financial responsibilities, including final expenses, mortgage payments, or ongoing family support. When a life insurance claim is rejected, it can disrupt those plans. However, it’s important to know that a denial isn’t necessarily the final word. Many claims can be appealed and successfully overturned. If your claim was denied, call the Law Offices of Jason Turchin at 800-337-7755 or chat with us live. We’ll guide you through the process and can fight to secure the benefits you’re entitled to.

Common Reasons LifeCare Assurance Denies Claims

Before you can effectively challenge a denial, it’s often essential to understand the reasons behind it. LifeCare Assurance Company may reject claims for several common reasons, including:

• Policy Lapse Due to Nonpayment:
  One frequent cause of denial is a lapse in the policy. If premiums were not paid on time, LifeCare Assurance may claim that coverage was no longer in effect when the insured passed away. Providing proof of payment, evidence of financial hardship, or documentation showing the policyholder’s intent to keep the policy active can strengthen your appeal.
• Issues During the Contestability Period:
  Life insurance policies typically include a contestability period—often the first two years—during which insurers closely review claims. If LifeCare Assurance finds discrepancies, such as undisclosed medical conditions or application errors, they may deny the life insurance claim. Submitting corrected documentation, medical records, and clear explanations can help address these issues and improve your chances of a successful appeal.
• Policy Exclusions or Limitations:
  Certain policies contain exclusions that prevent payouts for specific causes of death or pre-existing conditions. Reviewing the policy’s terms carefully can help determine if the exclusion was correctly applied. If the exclusion was improperly enforced or not clearly outlined in the policy, you may have grounds to challenge the denial.
• Beneficiary Disputes or Changes:
  If multiple claimants come forward, or if there are recent changes to the beneficiary designation, LifeCare Assurance may delay or deny payment until the matter is resolved. Legal assistance may be required to clarify beneficiary rights and ensure that the benefits are distributed according to the policyholder’s wishes.
• Missing or Incomplete Documentation:
  Claims may be rejected if critical paperwork—such as a certified death certificate, completed claim forms, or proof of beneficiary status—is missing or incomplete. Ensuring all documents are accurate and fully submitted can help prevent or resolve this type of denial.

Steps to Take After Receiving a Denial

If your life insurance claim has been denied by LifeCare Assurance Company, the following steps can help strengthen your appeal and improve your chances of success:

1. Review the Denial Letter Thoroughly:
   The denial letter will generally outline the reasons for rejection and the process for filing an appeal. Understanding the insurer’s rationale will guide you in gathering the appropriate evidence to contest their decision.
2. Gather Supporting Evidence:
   Compile all relevant records, including:
   • A complete copy of the life insurance policy and any riders or amendmentsProof of premium paymentsMedical and hospital records that address any disputed health conditionsCertified death certificatesCorrespondence with LifeCare Assurance CompanyDocumentation confirming your beneficiary status
   A well-organized set of documents can strengthen your appeal and help you present a clear, persuasive case.
3. Submit a Formal Appeal:
   Follow the appeal instructions provided by LifeCare Assurance. Clearly explain why the denial was incorrect, supported by the evidence you’ve collected. A detailed and well-documented appeal can sometimes increase 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 LifeCare Assurance’s reasoning
   • Help you gather additional evidence to support your claim
   • Represent you in negotiations or legal proceedings if necessary
5. Consider Filing a Complaint With State Regulators:
   If your appeal is unsuccessful, 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.

Florida Claims Against LifeCare Assurance Company

Florida residents have unique state laws and consumer protections that can be leveraged to contest unfair claim denials. A Florida-based attorney who understands these regulations can help you build a stronger case and may improve your chances of recovering the benefits you’re owed. Whether the denial involves a policy lapse, contestability issues, or a beneficiary dispute, understanding Florida’s legal framework can make a significant difference.

How the Law Offices of Jason Turchin Can Help

If LifeCare Assurance Company has denied your life insurance claim, the Law Offices of Jason Turchin is here to help. We have extensive experience assisting clients in challenging claim denials and recovering the benefits they deserve. Call us at 800-337-7755 or start a live chat today to learn more about how we can guide you through the appeals process and secure the financial support your family needs.