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Life Insurance Attorneys in Seattle

Reliable Counsel During a Difficult Time

When a loved one passes away, one of the last things you will want to do is fight an insurance company for the death benefits provided through the deceased’s life insurance policy. Yet countless people each year are challenged by life insurance companies, often without a clear reason why.

Are you dealing with a stubborn insurance company after the loss of a loved one? Do not lose time needed to mourn by getting wrapped up in legal conflicts with an insurer. Instead, rely on Kantor & Kantor, LLP to deal with your insurance company. Our Seattle life insurance lawyers focus on claim denials, helping our clients challenge denials, file appeals, and litigate if needed.

Choose an award-winning law firm for your life insurance denial case. Call (877) 783-8686.

Why Would an Insurer Deny a Life Insurance Claim?

Most people who need to file a life insurance claim assume the process will be simple. After all, the policy should pay out once the insured policyholder passes away. A death certification should suffice to prove that death actually occurred.

Death benefits payouts are often significant. Life insurance companies do not want to pay even small payouts, so you can bet that they will try to deny a large sum. To this end, they will look for virtually any reason to try to deny a life insurance claim.

Insurers may cite the following reasons in a denied claim:

  • No beneficiaries were listed in the policy
  • Deceased took their own life, voiding the policy terms
  • Death was caused by an uncovered illness or injury
  • Policy was frozen due to nonpayment issues

“Material misrepresentation” is also one of the most common reasons listed when an insurance company denies a claim. What does this suspiciously vague reason mean, though? When a piece of information on an insurance form is filled out incorrectly, it is called material representation. Technically, something as simple as listing the wrong eye color is a material misrepresentation, but it is only grounds for denying a life insurance claim when the incorrect information is significant enough to change the outcome of the claim’s assessment.

Incontestability Clauses in Life Insurance Policies

Life insurance companies have a duty to investigate the policies they sell for incidents of material misrepresentation while the policyholder is still alive. In many instances, an incontestability clause in a life insurance policy will require the provider to investigate the claim within two years of issuing it. Once the two years pass, the insurance policy cannot be revoked for any reason.

Incontestability clauses are meant to ensure that an insurer will not try to use material misrepresentation as a reason to deny a claim when the policyholder is no longer around to explain themselves or supply new information. Although, as mentioned, material representation does come up somewhat often in life insurance claim denials.

Count on a Legal Team with Real Experience

Our Seattle life insurance claim lawyers of Kantor & Kantor, LLP are no strangers to the complexities that can arise when working on a life insurance claim. A long history of successful case results is stored in our file cabinets, with each victory representing a turning point for a client in need.

One of our most remarkable life insurance case victories involved a man who died to an accidental cocaine overdose. The insurer denied the claim payout because it argued that intentional drug use could not cause an unintentional death. We took the case to litigation on behalf of the deceased’s young son, where we secured a $500,000 jury verdict to fully pay the owed life insurance benefit amount.

While we cannot promise a future case result based on cases in the past, our history of positive results does speak well to our abilities and dedication. If you are struggling with a life insurance denial, then we would be honored to see what our legal team can do for you, too.

For a free consultation, dial (877) 783-8686 now.

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

  • 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.

  • Thank you for all of your hard work, support and belief in our case.

    “Hi Elizabeth - You have been such an important part of my and Jennifer's past year, and I want to send you a note to wish you a wonderful holiday. Thank you for all of your hard work, support and belief in our case. Thank you seems like two small words and not enough, but they are heartfelt and mean so much.”


  • I am a life you have touched. May God bless you richly.

    “After suffering with constant pain for nearly seven months, losing the job I loved and then being denied my long term disability, I was extremely discouraged when I began looking for help. With a few phone calls from Mr. Kantor to my insurance company, my long term disability was reinstated . The financial burden was lifted and I have hope again. I am a life you have touched. May God bless you richly.”

    Susan H.

  • We will never forget the good you have done and may you continue to earn gold stars.

    “More than your skilled expertise, uncompromising professionalism and breadth of experience, we have been immensely impressed with the sincerity, generosity and integrity with which you conducted our affairs, acted on our behalf and guided us through the sometimes confusing process. Throughout, we developed a great respect for all of you and it is our wish that both collectively and individually, you experience continued professional success and personal gratification in all that you pursue. We will never forget the good you have done and may you continue to earn gold stars.”

    Lalida C.

  • Your kindness will never be forgotten.

    “Dear Glenn, Several weeks ago, you graciously met with my husband and me and provided us with invaluable advice vis a vis his application for Long Term Disability and the Voluntary Transition Plan offered by his employer. Your calming presence and thoughtful guidance was so gratefully appreciated and we both felt much lighter as we left your office. We are pleased to advise you that David's application for LTD was approved the day after we met with you (sigh of relief)! Had it not been, we knew when were we would go for representation. We both want to thank you for your thoughtfulness and generosity of spirit. Your kindness will never be forgotten. With Warmest Regards, Lori and David C.”

    Lori & David