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Client Focused. Court Room Ready.

Life Insurance Attorney in Reno

Handling Claims So You Can Grieve

Moving beyond the loss of a loved one requires ample time to grieve and reflect. Fighting with a stubborn insurance company who does not want to pay a dime in life insurance benefits will completely disrupt your healing process, though. Even if you know what needs to be done to make things right, you will not likely have the energy or headspace to do it.

Rather than putting yourself and your family through more stress, let Kantor & Kantor, LLP take over. Our Reno life insurance claim lawyers can elevate your case and fight tenaciously on your behalf. We do whatever it takes to make certain a client’s claim is properly handled and all benefits are provided as deserved.

We would like to talk to you about your case. Please call (877) 783-8686 today.

Why Would an Insurer Deny a Claim?

Life insurance companies are not out to make your life more difficult by denying a claim. But they are focused on saving themselves as much money as possible to boost their profits to the maximum, which could mean disregarding your life insurance claim without a valid reason.

What are some reasons to deny a life insurance claim?

  • Beneficiaries or claimants are not named in the relevant policy
  • Coroner determined the deceased committed suicide, invalidating the policy
  • Death was caused by an uncovered injury or illness
  • Deceased did not pay all monthly premiums before death

While all of the mentioned reasons could explain why a life insurance claim could be denied, the issues arise when they are denied for the wrong reasons. Our team of Reno life insurance attorneys focuses on claims that have been wrongfully denied, such as those that were denied but no reason was given. We are ready to challenge unfair denials in and out of court.

Overly Restrictive Policies

A life insurance policy with extremely restrictive clauses can be a problem in any situation. Such policies are called “one-sided” and unfairly give the majority of benefits to the insurer. If you are dealing with a one-sided life insurance policy, then we might be able to challenge it and convince the ruling authorities that the policy requirements should be rejected, and your claim should be approved by default.

What is an Incontestability Clause?

In Nevada, life insurance policies are required to contain an incontestability clause that lasts two years. Under this clause, the insurer has the right to investigate any potential misrepresentations or mistakes made on the policy by the policyholder. For example, if a life insurance policy was approved but the policyholder intentionally did not mention that they engage in dangerous hobbies like skydiving, then the insurer could investigate the policy within two years, uncover the discrepancies, and retract the policy or deny death benefits.

Once the two-year statute of limitations expires, the policy becomes incontestable, even in the presence of misinformation. When intentional fraud is suspected, a court might extend the clause’s limit, but this is rare. Essentially, insurance companies have two years to uncover misinformation on a policy if they want to deny a claim because of that misinformation.

Ready to Handle Your Life Insurance Claim

A life insurance case can be tiring in even the best situations. To give yourself a moment of peace without worrying about legal complications, let our Reno life insurance claim attorneys manage your case from start to finish. We have a long history of winning difficult life insurance cases, including one case result that secured $500,000 worth of benefits for a family after the policyholder passed away due to illegal drug use. We always hold that case close to our hearts because it is a reminder that every case is worth fighting when the wellbeing of our friends and neighbors hangs in the balance.

Schedule a free case evaluation today to learn more about our services.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • First of all, I want to express my extreme gratitude for probably saving my daughter's life.

    “First of all, I want to express my extreme gratitude for probably saving my daughter's life. By staying in treatment, the improvement is remarkable. She had been in eating disorder facilities many times, and treatment had been interrupted repeatedly by Anthem Blue Cross's denying benefits. Many of the health professionals were telling me that maybe my daughter was a hopeless case. You both gave me hope. She is still struggling with some residual issues around eating, but the change in her attitude, her ability to assess her own recovery, and her wish to live instead of to die, is evident in her life. Now she is back in school, after years of having her education disrupted by the eating disorder. She goes places with friends, and even goes out to restaurants for fun! This year marked the first holiday season for many years, when she had not been in a treatment facility. Other people gave up and you didn't. I can't thank you enough. You took the action that was necessary to keep my daughter in treatment long enough for it to work.”

    Anonymous

  • I am so grateful for all your efforts and I'm sure glad you were on my side fighting for me.

    “Dear Alan - I just wanted to send you a special note of thanks for all your hard work on behalf of me and my case. I am so grateful for all your efforts and I'm sure glad you were on my side fighting for me.”

    Tracy R.

  • The light at the end of the tunnel was masked, but we found it!

    “I'm sending my heartfelt wishes to you and your team for a wonderful holiday. We celebrate Christmas this year with a lighter heart than past years - knowing how you made a difference for us and for so many others. The light at the end of the tunnel was masked, but we found it! And so, cheers to you and your incredible team. Have a wonderful and safe new year.”

    J.

  • Thank you for being lawyers with a heart.

    “Thank you for being lawyers with a heart.”

    Miriam T.

  • The arguments you made on our behalf at the mediation resulted in a more positive outcome for our case than we could have otherwise expected.

    “We appreciate that you found merit in our case, and that you were both willing and able to be present at the mediation. We believe that the arguments you made in our favor to the mediator were able to influence the outcome towards resolution that we could feel satisfied with. In the end, we believe that your counsel, your support, and the arguments you made on our behalf at the mediation resulted in a more positive outcome for our case than we could have otherwise expected. Throughout you were always professional, but direct and clearly firm on our position. We thank you for your efforts to resolve our dispute to our satisfaction, and wish you continued success.”

    Mara T.