Interpleader Lawyer

Denied Accidental Death and Dismemberment Claim

AD&D claims cover dismemberment and death due to accidents, not due to natural causes.

AD&D policies are different than regular policies and have special exclusions and special rules.

Our AD&D lawyers are top in the nation resolving denied accidental death and dismemberment claims.

Reasons for Denied AD&D Claims

We resolve most AD&D claims as we have years of experience in doing so.

Our top AD&D lawyers have won cases involving:

Failing to file during specific time period

Suicide denial

Felony participation denial

Intoxication denial

Death not an accident denial

Prescription drug denial

Sickness exclusion denial

Different beneficiary denial

We have also won cases involving:


  • Marijuana use denial
  • Material misrepresentation denial
  • Skydiving denial
  • Illegal act denial
  • Felony commission denial
  • Plane crash denial
  • Helicopter accident denial
  • Bungee jumping denial
  • Sickness denial
  • Car racing denial
  • Suicide denial
  • Autoerotic denial
  • Airplane accident denial
  • Fall versus medical event

We have won AD&D cases involving companies such as: Prudental; AI; Primerica; Colonial; and more.

Suicide AD&D denial

An Accidental Death and Dismemberment (AD&D) insurance policy typically includes a suicide exclusion clause. This exclusion is a common feature in insurance policies to protect the insurer from intentionally self-inflicted injuries. The suicide exclusion serves as a way to limit the insurer’s liability in cases where the policyholder takes their own life.

Here are some key points regarding the suicide exclusion in AD&D insurance:

  1. Suicide Exclusion Period: If the policyholder dies by suicide during this initial period, usually 2 years, the insurance company may deny the claim.
  2. Full Exclusion: In many cases, the suicide exclusion is absolute, meaning that if the insured person dies by suicide within the specified period, the policy will not pay out any death benefits.
  3. Grace Period: After the initial exclusion period (usually two years), most AD&D policies will cover suicide as a cause of death. This means that if the insured person dies by suicide after this grace period, the death benefit should be paid to the designated beneficiaries.
  4. Intentional Self-Inflicted Injury: The suicide exclusion may also apply to intentional self-inflicted injuries, not just suicide. If the policyholder intentionally causes harm to themselves and dies as a result, the insurance company might deny the claim.

Felony Participation AD&D Denial

Here’s an overview of the felony participation reason for denial of an AD&D claim:

  1. Policy Language: AD&D insurance policies typically include language that excludes coverage if the insured person’s death or injury is a result of their participation in a felony or criminal activity. This exclusion is meant to prevent the insurance company from having to pay benefits when the insured person engages in illegal and high-risk behavior.
  2. Definition of Felony: The policy may specify what constitutes a felony. Felonies are generally serious crimes that are punishable by imprisonment for more than one year. Examples of felonies may include murder, arson, robbery, and certain types of fraud.
  3. Causation Requirement: For the exclusion to apply, there is usually a causation requirement. This means that the felony participation must be a direct cause of the injury or death. If the criminal activity is not a direct cause, the exclusion may not be invoked.
  4. Intent: Some policies may consider the intent of the insured person. If the insured intentionally engages in criminal activity and suffers harm as a result, the insurance company may deny the claim based on the felony participation exclusion.
  5. Time Frame: The exclusion may apply regardless of when the felony occurred in relation to the issuance of the policy. It is not uncommon for this type of exclusion to be effective throughout the entire policy period.

Examples of scenarios where the felony participation exclusion might be invoked include:

  • Bank Robbery: If the insured person participates in a bank robbery and is injured or killed during the commission of the crime, the AD&D claim may be denied.
  • Assault or Homicide: If the insured person is involved in an altercation resulting in assault or homicide, and they are injured or killed as a consequence, the exclusion might apply.

Why and how our AD&D lawyers win your case

Insurance companies don’t like to pay claims, and their policies have restrictive definitions and restrictive exclusions.  However, we fight denied AD&D claims and win.

We have experienced lawyers who can deal with difficult situations involving rejected AD&D claims. They will examine your case and guide you on the best way to proceed. We will do our own inquiry and study to find out the true cause of the insured’s death before appealing. The findings will help us build a strong case that challenges the denial grounds and makes the insurance company reconsider your claim.

Our top AD&D lawyers have vast knowledge and experience in:

  • Clarifying the AD&D policies;
  • Boosting clients’ chances of getting AD&D claims where life insurance exclusions might be relevant;
  • Educating clients on their life insurance beneficiary rights;
  • Supporting clients in submitting a claim;
  • Checking the policy terms and identifying any exclusion;
  • Preparing a detailed legal document to appeal a rejected AD&D claim;
  • Predicting the counterclaims the insurance company may raise;
  • Fighting insurance companies in AD&D lawsuits.

It is critical you retain our top AD&D life insurance lawyers if you want to recover the policy.

Our top life insurance lawyers have won thousands upon thousands of denied AD&D life insurance claims.

Don’t get discouraged if your claim was denied, as once you retain our AD&D lawyers, your chances of winning increase exponentially.

Accidental Death and Dismemberment Contingency Fee

We work on a basis in which if you don’t get the money, we don’t get paid.

Don’t try to handle the appeal yourself.  Leave it to our life insurance lawyers.

Please contact us today.

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