What Documents Should I Request After a Life Insurance Denial?

If your life insurance gets denied, you should retain or request the following documents:

• The written denial letter with specific information on why your life insurance claim was denied
• The complete claim file, including any documents that were generated during the insurance company’s investigation
• The life insurance policy and the Summary Plan Description (SPD) that was in effect at the date of death
• The plan document along with any amendments that could affect your coverage or eligibility

When you discuss your situation with an Alabama life insurance attorney, they can help you seek additional documentation to help with your appeal.