Los Angeles Insurance Claims Denials Lawyer

Jeffrey I. Ehrlich, Certified Appellate Specialist
Civil Appeals Attorney

Life Insurance PolicyAbout Life insurance claims denials

Insurance companies who deny life-insurance claims, usually do so for three reasons:

  • Because they believe that the policyholder (the person insured) made misstatements on the application for the policy, essentially misleading the insurer about the true nature of the risk presented. Misstatements on insurance applications can form the basis for the insurer rescinding the policy after the insured has died.
  • Because the policyholder died in circumstances for which there is no coverage. For example, the insured committed suicide during the first two years of coverage, before the policy became “incontestable” under California law.
  • Because they claim that the death occurred before the policy was actually in effect.

If the insurer claims that the insured made misstatements on the application, it is important to review the application to see if the questions asked were clear, and whether or not the application itself was attached to the policy as the law requires. It is also vital to know whether the application was taken by an agent of the insurance company. If so, the company will be deemed to know all information disclosed to the agent, even if the information is not accurately reflected on the application.

About Disability insurance claims denials

Insurers frequently deny disability claims because they will dispute that the policyholder is actually “disabled” as that term is defined in the policy. They may also impose additional criteria not included in the policy as a basis to deny coverage — such as insisting that there be “objective” symptoms of any disabling illness, even though the policy does not contain such a requirement.

Insurance Claim Appeals Lawyer
Source: American Association for Justice. The Ten Worst Insurance Companies in America. How They Raise Premiums, Deny Claims, and Refuse Insurance to Those Who Need It Most.

The Ten Worst Insurance Companies in America

1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark
10. Liberty Mutual


Appellate attorney, Jeffrey I. Ehrlich, has sued insurance companies numbers 1, 2, 3, 4, 6, 7, 8, and 10.

We’ve taken on the best of the worst (insurance companies)

Our opponents have included companies of enormous wealth and power, who hire the best corporate defense firms: Anthem Blue Cross, Aetna U.S. Healthcare, Blue Shield of California, PacifiCare, Health Net, Allstate, State Farm, Progressive, Mercury, 21st Century, Kaiser Permanente, UNUM, Nationwide, National Steel & Shipbuilding, Arch Insurance, Pacific Specialty Insurance, State Fund, Crum & Forster, Farmers, MEGA Life, Gulf Insurance, AIG, McDonald’s Corp., Liberty Mutual, Evanston Ins., the Hartford, National Union, Lexington Ins., Chubb Insurance, Safeco, Auto Club of So. Cal., Travelers, and CIGNA.

We carefully explain every step of the process, and keep our clients fully informed of the status of their case. We are happy to answer every question a client can have about a case. We work for you, but also with you, to obtain the best possible result.

Representative and significant cases

Southern California civil appeals attorney, Jeffrey I. Ehrlich, is an appellate specialist certified by the State Bar of California’s Committee on Legal Specialization. He is the principal of the Ehrlich Law Firm, with Los Angeles County law offices.