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Old 09-09-2009, 02:47 PM
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Life insurance claims denied for no reason?

I have been told that health insurance companies sometimes deny valid claims in order to save money, because they know that a certain percentage of customers won't bother to appeal. My question is, does this also happen with life insurance claims?

I'm shopping for life insurance; my beneficiary is a very unassertive person, and I want to know if I need to look for a company that has a good record of paying claims without hassle. Is this a factor that I should consider, and if so, are there any good sources of information about this?What is the name of your state (only U.S. law)?
  #2  
Old 09-09-2009, 03:31 PM
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Quote:
Originally Posted by Samuel575 View Post
I have been told that health insurance companies sometimes deny valid claims in order to save money, because they know that a certain percentage of customers won't bother to appeal. My question is, does this also happen with life insurance claims?

I'm shopping for life insurance; my beneficiary is a very unassertive person, and I want to know if I need to look for a company that has a good record of paying claims without hassle. Is this a factor that I should consider, and if so, are there any good sources of information about this?What is the name of your state (only U.S. law)?
ASSuming this isn't a seed-thread...What is the name of your state (only U.S. law)?
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  #3  
Old 09-09-2009, 07:56 PM
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That's funny, health insurance companies don't do that, even if customers don't appeal doctors do. Not to mention bad faith and all sorts of other ugly stuff.
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  #4  
Old 09-09-2009, 10:33 PM
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I'm in New Jersey. I don't know what a seed thread is; I was just trying to get opinions on whether this is an issue that I need to be concerned about.
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Old 09-10-2009, 10:05 AM
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well if you buy life insurance, make sure you read the fine print. some life insurance plans will not reimburse if you commit suicide. i do not see why a life insurance plan would not pay if you submit a legal death certificate and the reason for dying is covered under the life insurance policy.
  #6  
Old 09-10-2009, 02:22 PM
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However, it's never a BAD idea to seek out companies to do business with that have a proven track record of good customer service.
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-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
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