The short answer
Life insurers must justify denials in writing. Most denials fall into three buckets: material misrepresentation during the 2-year contestability period, the suicide clause, or a lapsed policy at the time of death. All are contestable — request the underwriting file, application, and medical records the insurer relied on.
Frequently asked
- Should I hire an attorney?
- For any death benefit over $100k with a denial letter, yes — most work on contingency.
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