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Notes from claims I have worked
Specific problems, and what actually resolved them.
September 10, 2026 · 6 min read
The Insurer Sent a Check With the Denial. Do Not Cash It.
When a life insurer rescinds a policy it refunds the premiums. Depositing that check is often treated as accepting the denial, and it can end your right to appeal.
ReadSeptember 9, 2026 · 7 min read
Died Within Two Years: What the Contestability Period Really Allows
If the policy was under two years old, the insurer can reopen the application and look for a reason not to pay. What it can examine, what it must prove, and where these denials fall apart.
ReadSeptember 8, 2026 · 6 min read
When Two People Claim the Same Life Insurance Policy
Competing claims stall a death benefit indefinitely and can end with the insurer handing the money to a court. What causes these disputes and how they get resolved without going there.
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