Life insurance claims denied for no reason?

[Samuel575]

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)?

 

[Zigner]

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)?

 

[ecmst12]

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.

 

[Samuel575]

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.

 

[momm2500]

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.

 

[ecmst12]

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.