Life Insurance Denials

What To Do When A Life Insurance Policy Is Denied

Losing a loved one is hard enough — facing a denied life insurance claim makes it even more painful.

Unfortunately, life insurance claims are often denied, commonly due to alleged pre-existing conditions or application inaccuracies.

If you are the beneficiary of a life insurance policy and your claim has been denied, it’s important to seek legal advice as soon as possible.

At Pranzitelli Law, we’ll help you understand your legal rights, what documents are required, and how long you have to take legal action.

In Canada, there are essentially 2 types of life insurance policies:

Term Life Insurance: Typically these premiums are initially less expensive with this policy increasing as one gets older.

There are multiple types of term life insurance policies; including 10-year, 20-year, and 30-year terms.

Permanent Life Insurance: These policies typically have “level premiums.”

There are three different types of policies: Whole Life Insurance, Term-to-100, and Universal Life Insurance.

How We Can Help

At Pranzitelli Law, we understand how important these benefits are for your family’s financial security. Our legal team will:

Carefully review the terms of the life insurance policy

Examine the reasons for the claim denial

Advise you on your rights and court deadlines

Work diligently to obtain a fair and just settlement on your behalf

You don’t have to face the insurance company alone....

We’re here to fight for you — every step of the way

What To Do When A Life Insurance Policy Is Denied

Losing a loved one is hard enough — facing a denied life insurance claim makes it even more painful.

Unfortunately, life insurance claims are often denied, commonly due to alleged pre-existing conditions or application inaccuracies.

If you are the beneficiary of a life insurance policy and your claim has been denied, it’s important to seek legal advice as soon as possible.

At Pranzitelli Law, we’ll help you understand your legal rights, what documents are required, and how long you have to take legal action.

In Canada, there are essentially 2 types of life insurance policies:

Term Life Insurance: Typically these premiums are initially less expensive with this policy increasing as one gets older.

There are multiple types of term life insurance policies; including 10-year, 20-year, and 30-year terms.

Permanent Life Insurance: These policies typically have “level premiums.”

There are three different types of policies: Whole Life Insurance, Term-to-100, and Universal Life Insurance.

How We Can Help

At Pranzitelli Law, we understand how important these benefits are for your family’s financial security. Our legal team will:

Carefully review the terms of the life insurance policy

Examine the reasons for the claim denial

Advise you on your rights and court deadlines

Work diligently to obtain a fair and just settlement on your behalf

You don’t have to face the insurance company alone....

We’re here to fight for you — every step of the way

Are Consultations Free?

We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.

The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.

These consultations are ALWAYS free.

What About Out Of Pocket Fees?

On all our contingency fee retainers, you will not be responsible for out of pocket fees.

Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.

Who Will Work On My Case?

At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!

How Long Do I Have To File My Lawsuit?

Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.

How Much Can I Expect To Win?

While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..

What is Long-Term Disability (LTD) Insurance

Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.

How Do I Qualify For Long-Term Disability Benefits In Ontario?

To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.

What Types Of Conditions Are Covered Under Long Term Disability Insurance?

LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.

How Long Can I Receive Long-Term Disability Benefits?

The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.

What Should I DO If My Long-Term Disability Claim Is Denied?

If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.

Are Consultations Free?

We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.

The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.

These consultations are ALWAYS free.

What About Out Of Pocket Fees?

On all our contingency fee retainers, you will not be responsible for out of pocket fees.

Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.

Who Will Work On My Case?

At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!

How Long Do I Have To File My Lawsuit?

Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.

How Much Can I Expect To Win?

While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..

What is Long-Term Disability (LTD) Insurance

Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.

How Do I Qualify For Long-Term Disability Benefits In Ontario?

To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.

What Types Of Conditions Are Covered Under Long Term Disability Insurance?

LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.

How Long Can I Receive Long-Term Disability Benefits?

The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.

What Should I DO If My Long-Term Disability Claim Is Denied?

If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.

⬇️ REQUEST A FREE CONSULTATION ⬇️

We will contact you to talk a bit more about your unique needs, and get the ball rolling!

I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.

We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.

Our Addresses
(Vaughan | Toronto | London)

Vaughan
4370 Steeles Avenue West, Suite 16
Vaughan, On L4L 4Y4

Toronto

18 King Street East, Suite 1400

Toronto, On M5C 1C418

London
341 Talbot St, Suite 333

London, ON N6A 2R5

Contact Us
(Local | Toll Free | Email)

Local

905 - 266 - 2633

Toll Free

1-844-757-HURT

Email
[email protected]

This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation

Copyright © 2025 Pranzitelli Law Firm | All rights reserved

⬇️ REQUEST A FREE CONSULTATION ⬇️

We will contact you to talk a bit more about your unique needs, and get the ball rolling!

I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.

We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.

Our Addresses
(Vaughan | Toronto | London)

Vaughan
4370 Steeles Avenue West, Suite 16
Vaughan, On L4L 4Y4

Toronto

18 King Street East, Suite 1400

Toronto, On M5C 1C418

London
341 Talbot St, Suite 333

London, ON N6A 2R5

Contact Us
(Local | Toll Free | Email)

Local

905 - 266 - 2633

Toll Free

1-844-757-HURT

Email
[email protected]

This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation

Copyright © 2025 Pranzitelli Law Firm | All rights reserved