Get a denied life insurance death claim paid

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Read the denial letter and map its reasons
45 min
This step turns the denial letter into a one-page denial map: the policy and claim numbers, every reason for denial in the insurer’s own words, the appeal deadline, and the appeal address or portal. The letter is built to sound final — the operative reason usually sits inside boilerplate — so copy the wording exactly and change nothing, because every later step argues against these exact sentences.
- Write the policy number, claim number, insured’s full name, and date of death at the top of the map.
- Copy each stated reason for denial word for word, one line per reason.
- Record the appeal deadline, the date it runs from, and the address or portal for the appeal, exactly as printed.
- Note the postmark and arrival date on the envelope — the clock runs from receipt, not from the printed date.
- Flag every mention of ERISA, “plan”, “plan administrator”, or “fiduciary”.
- Staple the map to the original letter and file both in the claim folder.

0/3 done

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