Oakland Life Insurance Claims Attorney

Home//Oakland Life Insurance Claims Attorney

Oakland Life Insurance Claims Attorney

A life insurance policy aims to provide financial security to your loved ones after your death. But all too often, insurance companies deny valid claims, causing frustration and fear for beneficiaries. If you find yourself in this position, it’s natural to be scared and overwhelmed. But you have options. An Oakland life insurance claims attorney with Monahan Tucker Law can assist you in fighting for the benefits you deserve.

Our team of experienced litigators are very knowledgeable in life insurance law and can help you navigate disputes over your claim. We have successfully challenged insurance companies, both during negotiations and in the courtroom, to ensure our clients receive the benefits they are entitled to, and we’re ready to do the same for you.

Life Insurance Basics

Many employers offer life insurance as an employee benefit. Employees who receive this benefit have legal rights relative to this coverage that are important to know and protect. People also regularly obtain their own life insurance, or insurance on a family member, through individual policies or group policies offered by financial institutions or professional groups.  If you have questions or concerns about a claim in which you are a beneficiary, don’t wait to seek the legal counsel of an experienced Oakland life insurance claims attorney. 

Common Reasons a Life Insurance Claim Is Denied

There are many reasons why a valid life insurance claim could be denied. At Monahan Tucker Law, we’ve seen insurers use a wide variety of tactics to deny or reduce claims, and we’re ready to push back on any challenges to your benefits. Here are some of the most common causes for denial we handle:

  • Material Misrepresentation: Sometimes, claims are denied due to unintentional mistakes on the application. Even a small error like reporting your age incorrectly can result in a denial. The insurance company has a two-year contestability period to review the application for errors and potentially rescind the policy.
  • Exclusions for Suicide, Substances, or Intentional Acts: Insurance policies often exclude claims related to intentional acts, including alcohol or substance use, including accidents caused by the insured’s behavior. These exclusions may also apply to injuries caused while intoxicated or engaging in reckless activities, but insurers often stretch these exceptions too far. Insurance companies often try to shoehorn deaths into these exclusions.  Also, even when the policy language does not include such exclusions, insurers frequently try to apply them with no legal basis.
  • Lapse in Payment: If the policyholder fails to make payments, the policy will lapse, and the beneficiary won’t receive benefits. However, there may be circumstances where the lapse in payment is not the insured’s fault, and the insurer can still be held accountable.
  • Accidental Death and Dismemberment Policies: These policies only pay benefits for accidents, not illnesses. However, insurers sometimes deny claims by attributing the cause of death or injury to an underlying illness. These denials often crumble under scrutiny.

An Experienced Oakland Life Insurance Claims Attorney Is Here to Help

Don’t let a denied life insurance claim leave you in financial distress. The accomplished Oakland life insurance claims attorneys at Monahan Tucker Law have a sterling reputation for helping clients like you resolve their challenging life insurance disputes favorably – upholding their financial rights. For more information about how we can assist you in your unique situation, please contact us today. We serve clients in California, Washington, Arizona, Oregon, and Nevada.


Our attorneys have decades of experience with insurance litigation and an unparalleled track record of success.


Your trust is important to us. From our first consultation through litigation, we will be transparent with you, and we will hear you every step of the way.


We are one of the rare firms that can provide first-hand knowledge of how your insurer thinks and reacts, and has consistently prevailed in some of the most complex and high value insurance disputes seen in ERISA and non-ERISA litigation.


Our attorneys trained at some of the most aggressive large law firms in the world. Though we believe there are usually better ways to litigate and resolve disputes, our opposition does not always agree. When necessary, we are masters of unrelenting, tenacious litigation. When you hire us, you turn the insurer’s previous weapon against it.


We do this work because we want to be here, for you. We understand what you have been through, and that everyone has times where they need support. One of the strongest steps for yourself and your family is to ask us for help. Together, we’ve got this.

What Our Clients Have To Say


Schedule A Consultation

Helping clients in California, Oregon, Washington, Nevada, and Arizona.