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What To Do If Life Insurance Won’t Pay An Accidental Death & Dismemberment Claim

Tucker Law Group
March 1, 2017

Sometimes a life insurance company refuses to pay the AD&D on a life insurance claim. Insurance companies don’t like to pay AD&D claims because they like to think that the deaths aren’t an accident. If it’s an accident, that means they have to pay, and that means less money for the life insurance company.

You need to look at the company’s fine print. It tells you a lot of useful information. This will include their definition of “accidental death”. How they define it will tell you if they will pay or not. The exclusionary policies are important to know. These policies often exclude deaths related to drugs and alcohol, pre-existing conditions, and medical malpractice.

Also, most death and dismemberment policies have very high payouts, so the insurance company is looking for any way to save money on these claims. Money they don’t pay goes to their shareholders, which doesn’t benefit you. Watch the video to learn more.

If you have questions about life insurance and accidental death and dismemberment claims, then I want you to call me at (866) 233-5044. I welcome your call.

Video Transcript
Your spouse died in an accident but the life insurance company is telling you they don't want to pay the AD&D claim. Why would that be? I'm John Tucker insurance and AD&D, or accidental death and dismemberment, cases all over the country.

Life insurance companies often don't want to pay AD&D claims because they take the position that somebody did not die in an accident. Let me tell you some of the things you need to know about accidental death coverage.

First, the key to most insurance policies is the fine print. I know you've probably heard that before but it really matters. The terms that they use in the policy are what controls the insurance company. In the case of accidental death, there's probably a definition of accident in their policy and how they define accident drives whether they're going to pay the claim or not, in almost all of those cases.

Second, the exclusions that are in the policy, the extra details that say what they don't cover, very very important to you. Every policy is drawn differently and there's no law that requires them to include or exclude certain things. So insurance companies will write exclusions into their policy for all types of things. If a death was related to use of drugs or alcohol, If a death was because of some type of pre-existing condition, If a death was related to medical malpractice,  all of these are exclusions you can find in many accidental death and dismemberment policies.

Finally, keep in mind that the insurance company doesn't want to pay the claim if they can avoid it. A lot of accidental death policies have very high benefits — hundred thousand, two hundred thousand, even more in those cases. at the insurance company can save that money that goes to the bottom line. Money they don't pay you goes to their shareholders because most insurance companies are for-profit corporations.

Now you're watching this video probably because you have questions about an accidental death policy if that's the case I want you to pick up the phone call the number on your screen and call me. Let's talk about your claim. I’m John Tucker. Thanks for watching.