I just took in a new case involving the denial of an Accidental Death insurance claim.

Accidental Death policies are different from Life Insurance policies.  Life insurance policies pay out when the insured person dies, regardless of the cause of death.  Accidental Death policies pay out when the insured person dies from an accident.  However, one common exclusion in Accidental Death policies is for deaths caused by a medical condition.

Unfortunately, insurance companies often become confused by their own policies.  And, as you know, when an insurance company succeeds in confusing itself about what its policy says, it then refuses to pay the claim.

Continue Reading Accidental Death Insurance Claim

We filed suit against Metropolitan Life Insurance Company for life insurance benefits. Our client, a pastor, became disabled and continued his life insurance coverage under a waiver of premium provision in the life insurance policy. He was advised by the policy holder that coverage would be provided both for him and his spouse. Following his