Our client was a beneficiary on an SGLI policy that covered his son’s life. Generally, an SGLI policy is $400,000. However, our client was paid only $50,000. The insurance company claimed that 2 months before his death, our client’s son reduced his coverage from $400,000 to $50,000. After unsuccessfully trying to make the insurance company pay the total amount of his claim, the beneficiary came to us for help. We reviewed all the pertinent documents and determined that the insurer wrongfully denied our client the rest of the benefits. Upon review of the file, it was clear there was no evidence of the insured’s intent to reduce his coverage to $50,000. We were successful in reversing the denial of the SGLI claim. Our client received the rest of his claim amount within three months of retaining our firm.
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