Life insurance and disability claims should provide financial security when you need it most. But unfortunately, insurers frequently deny claims for various reasons—often unfairly. At WriteMyLetterLife.com.au, we specialize in overturning denied claims and ensuring you receive the benefits you're entitled to.
In this guide, we’ll break down the most common reasons for claim denials and, most importantly, how we get them resolved.
Common Reasons for Life Insurance Claim Denials
1. Non-Disclosure of Medical Conditions
Why claims are denied: Insurers can reject claims if they believe a policyholder failed to disclose a pre-existing medical condition when applying for cover. Even minor omissions can lead to a denial.
How we fix it: We conduct a detailed policy review and compare your application history with medical records. Often, insurers misinterpret medical disclosures or unfairly apply non-disclosure rules. We provide compelling arguments backed by case law and medical expertise to challenge unfair denials.
2. Policy Exclusions
Why claims are denied: Some policies exclude specific medical conditions, high-risk activities, or self-inflicted injuries. If your claim falls under an exclusion, insurers may refuse to pay.
How we fix it: We meticulously examine policy wording and challenge vague or unfair exclusions. Insurers must prove that an exclusion applies beyond doubt. If they can't, we push for approval or negotiate a partial payout.
3. Missed Premium Payments
Why claims are denied: If premiums aren’t paid on time, the policy may lapse, leaving no cover in place at the time of claim.
How we fix it: We investigate whether the insurer followed proper procedures before cancelling the policy. If they failed to provide adequate warnings or if financial hardship was involved, we may argue for policy reinstatement or a retrospective payout.
4. Insufficient Medical Evidence
Why claims are denied: Insurers require strong medical documentation proving total and permanent disability (TPD) or illness severity. Without it, they may reject claims.
How we fix it: We work with specialist doctors and medical experts to strengthen medical reports. We ensure your doctors understand how wording can impact the insurer’s strict criteria and what is required to leave no room for interpretation, thus dramatically increasing approval chances.
5. Disputed Cause of Death or Disability
Why claims are denied: Insurers often challenge medical reports, questioning whether the cause of death or disability aligns with policy conditions.
How we fix it: We engage independent medical specialists and legal precedents to counter the insurer’s argument. Our expertise in handling contentious claims ensures that disputes are resolved in your favour.
6. Inexperienced or Biased Assessors
Why claims are denied: Many claims are assessed by junior or inexperienced assessors who don’t fully understand the complexities of medical evidence, legal precedents, or policy wording. Some assessors also prioritize the insurer’s bottom line over fair decision-making.
How we fix it: Our extensive background in life insurance claims advocacy and legal claims handling allows us to push back against unfair assessments. We know exactly how to challenge assessors' decisions, escalate cases to senior levels, and, if necessary, take legal action or lodge complaints with regulatory bodies.
How to Prevent a Life Insurance Claim Denial
✔ Be Transparent in Your Application – Always disclose medical history and occupational risks upfront. We can help you review applications before submission to avoid future issues.
✔ Keep Premiums Up to Date – Avoid policy lapses by setting up direct debits and regularly checking your policy status.
✔ Strengthen Your Claim Before Lodging – We ensure your claim is bulletproof by reviewing medical reports, gathering the right documentation, and pre-empting insurer objections.
Why Choose WriteMyLetterLife.com.au?
At WriteMyLetterLife.com.au, we offer more than just claims assistance—we provide expert advocacy. Unlike generic claims consultants, our team has extensive experience in:
Solicitor-level expertise in handling denied and contentious claims (without the legal fees)
Overturning unfair claim denials through strategic evidence and insurer negotiations
Managing TPD, income protection and life insurance claims with a proven track record of success
If your claim has been denied—or if you want to ensure a smooth and successful claim from the start—contact us today for a free case assessment.
📞 Call us now on 0433 206 019 or visit WriteMyLetterLife.com.au to get started!
At WriteMyLetter Life, we specialise in ensuring the right outcome for your claim. If your claim has been rejected or you are unsure how to proceed, contact us for a free case assessment on 0433 206 019 or by email to claims@writemyletterlife.com.au.
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