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Attorneys Fighting Insurance Companies for Maximum Results

The death of a loved one can be devastating, and the denial of a life insurance claim makes a bad situation much worse. People buy life insurance to help their loved ones through the financial crunch that often arises with the death of a family member, especially the death of a family's primary breadwinner. The denial of a life insurance claim puts the family in a financial bind — a fact that insurance companies know and exploit to their advantage.

Why insurance companies commonly deny life insurance claims

Insurance companies may deny a life insurance claim for various reasons, including:

  • Material misrepresentations in the application
  • Material misrepresentations at renewal
  • Misrepresentation about age, health, smoking or drinking habits, or occupation
  • Death due to suicide
  • Failure to pay premiums
  • Death occurring while the decedent was violating the law
  • Engaging in dangerous hobbies

Rutter & Russin has taken on the big insurance companies in cases involving the denial of life insurance claims and succeeded, time and again.

The insured was murdered in a drive-by shooting. His mother submitted a claim for his life insurance benefits, but the insurer balked because the last premium was supposedly paid late. The mother came to us after several lawyers had told her there was nothing that could be done. We obtained the files of the agent and the insurer and prepared a detailed timeline that demonstrated that the insurer’s changing billing practices had resulted in confusion about when the premium was due. The agent admitted that even he was confused. The insured’s premium payment had been late, but we proved that he mailed the premium before he was murdered. The insurer received the premium after the murder, and accepted and processed it – at least until its claim department received notice of the claim. Then it had its underwriting department refund the premium. The tactic did not work, and the insurer paid the entire benefit amount.


Rutter & Russin has nearly 30 years of experience helping family members get full and fair settlements from insurance companies who have denied a claim. Contact us today for a free consultation.

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