Published in Uncategorized on September 19, 2025
When you pay for a life insurance policy, you’re buying peace of mind. 
You pay your premiums faithfully, believing that when tragedy strikes, your family will be protected. But all too often, families face a heartbreaking reality: the insurance company denies a valid claim, refusing to pay what is owed under the contract. That’s exactly what happened to one of our clients here in Springfield, Missouri.
A Tragic Death Wrongly Classified as “Natural Causes”
Our client’s wife was hospitalized at Mercy Hospital in Springfield. During her stay, a nurse attempted to clear a clogged feeding tube with a long stainless steel wire. In doing so, the nurse punctured the tube and pushed the wire into her lungs. This caused a pneumothorax, leading to her decompensation and ultimately her death.
When her husband filed a life insurance claim, the company denied it. Their explanation? They said she died of “natural causes.”
But this was not natural. This was an accidental death caused by medical negligence.
Our firm immediately investigated and sent a detailed demand letter outlining the facts. We showed that the nurse’s actions—not illness or natural causes—were the true cause of death. Faced with overwhelming evidence and a firm prepared to fight, the insurance company reversed its denial and paid the full accidental death benefit.
Why Do Insurance Companies Deny Valid Life Insurance Claims?
Insurance companies are billion-dollar corporations. Every dollar they don’t pay out is a dollar they keep. Common bad-faith tactics include:
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Wrongly classifying accidental deaths as natural causes.
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Misinterpreting or twisting policy language.
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Delaying claims in hopes families give up.
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Requiring endless, unnecessary paperwork.
Without an experienced life insurance attorney, most people don’t stand a chance against these strategies.
The Power Imbalance Between Policyholders and Insurance Companies
There is a massive power imbalance when an individual challenges a national insurer. But when you stand shoulder-to-shoulder with a law firm experienced in fighting life insurance denials, the playing field changes.
Insurance companies know which law firms will go the distance and which won’t. At our firm, we have the resources, reputation, and determination to hold insurers accountable and force them to honor their contracts.
Real-World Insurance Bad Faith Examples
Across the country, insurers have been caught engaging in wrongful practices:
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Life insurance denials after sudden or accidental deaths.
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Disability insurance denials despite clear medical evidence.
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Homeowner’s insurance disputes after fires, storms, or flooding.
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Health insurance cancellations when families need coverage most.
These aren’t isolated mistakes—they’re part of a playbook.
What To Do If Your Life Insurance Claim Was Denied
If your life insurance claim was denied, don’t give up. Insurance companies count on families accepting “no” as the final answer. But with the right insurance denial lawyer, you can challenge the decision and recover what is owed.
Take these steps immediately:
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Get the denial letter in writing and save it.
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Do not accept the insurer’s reasoning at face value.
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Contact a life insurance attorney who understands accidental death benefits and insurance bad faith law.
Call Us Today – We Fight Insurance Companies for Families
At [Your Law Firm Name], we represent families across Missouri and beyond who have had life insurance benefits wrongfully denied. We know the tactics insurers use, and we know how to beat them.
If you’re being stonewalled, delayed, or denied by a life insurance company, call us today. We’ll stand with you, fight for you, and hold the insurance company accountable.
👉 Contact us now for a free consultation.