French 
Russian 
Portfolio
They Denied the Payout. We Fight Back.
Every year, $7.4 Billion in life insurance benefits go unclaimed or unpaid.
Insurance companies have teams of investigators whose sole job is to find a “material misrepresentation” on the application or a technicality in the medical records to deny a death benefit claim.
Vault Insurance INT is the beneficiary’s advocate. If your claim was denied, delayed, or underpaid, we conduct our own investigation. We challenge the “Contestability Period” rejections and prove that your loved one’s policy is valid, forcing the insurer to release the funds.
Contestability Disputes
If a death occurs within 2 years of the policy start date, insurers investigate everything. We manage this sensitive audit to prevent wrongful denials.
Accidental Death (AD&D)
Did the insurer claim the death was due to "illness" rather than "accident" to avoid paying the double benefit? We use medical examiners to prove otherwise.
Lapsed Policy Recovery
Was the claim denied because of a missed premium payment right before death? We can often argue for "Grace Period" extensions under state law.
Why Was Your Claim Denied?
Insurers use standard “denial codes.” We know how to break every single one of them.
Home
Vehicles
Life
Business
Free Claim Merit Review
Don’t accept a denial letter as the final word. Upload it here. If we can’t recover the money, our service is free.
Start a fast, free auto insurance quote with Alico. We help you find any insurance coverages that are right for you, so you’re not paying for anything you don’t want!
Not necessarily. We must prove "Intent to Deceive." If it was an honest mistake that had nothing to do with the cause of death, we can often force the insurer to pay.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Delay is a tactic. They hope you get desperate and accept a lower settlement. We file "Bad Faith" warnings to force them to make a decision within state-mandated timeframes.
Yes. If a Divorce Decree required him to maintain life insurance for you, we can file a claim against his estate or the policy to enforce the court order.
Yes. If a business partner dies and the insurer refuses to pay the buy-out funds, we represent the surviving partners to save the company.
Get the Money Your Family Was Promised.
We treat every case with dignity and aggression. Let us handle the legal fight while you grieve.