In this video, Jonathan M. Deer, partner at Quantum Law Group, explains what to do when a life insurance company refuses to pay benefits. The most important step is to act quickly and seek legal representation. Insurance companies are not looking out for policyholders or beneficiaries—they are focused on managing their financial interests.
When you receive a denial letter or are told your life insurance policy will not be honored, time is critical. Delays can make the situation worse and limit your options. By working with an experienced attorney, you can challenge the denial, protect your rights, and pursue the benefits you are entitled to under the policy.
Key steps if your life insurance claim is denied
— Act immediately when you receive a denial or refusal to pay
— Do not assume the insurance company has your best interests in mind
— Consult with an attorney experienced in life insurance disputes
— Gather documents, correspondence, and policy details as evidence
— Take timely legal action to avoid missing deadlines or losing leverage
Why insurance companies deny valid claims
— Reliance on technicalities in policy language
— Alleged omissions or misstatements on applications
— Claims that premiums were not paid on time
— Misrepresentation of exclusions buried in policy terms
— Delays designed to pressure policyholders into dropping claims
How Quantum Law Group helps clients
— Challenging wrongful life insurance denials and delays
— Litigating bad faith cases against insurance companies
— Representing beneficiaries, families, and policyholders in disputes
— Recovering both policy benefits and additional damages when warranted
— Negotiating favorable settlements or pursuing litigation in court
About Quantum Law Group
Quantum Law Group is a Los Angeles-based litigation and trial law firm representing individuals, families, and businesses in high-stakes disputes. Our attorneys, including partners Jonathan M. Deer, Steven Morris, and Peyman Cohan, bring decades of experience litigating life insurance and insurance bad faith cases throughout California.
We proudly serve clients across Southern California, including Los Angeles, Beverly Hills, Santa Monica, Pasadena, Downtown LA, South Bay, and Long Beach.
Practice areas we cover
— Life insurance disputes and bad faith litigation
— Business litigation and commercial disputes
— Employment law and workplace cases
— Real estate and construction litigation
— Intellectual property and trade secret disputes
— Mediation, arbitration, and alternative dispute resolution
— Complex jury and bench trials