What is the statute of limitations to file a claim if an insurance company refuses to pay the benificiary of a life insurance policy?

Was all the requested information provided to the insurance company? Legally, they must have certain information to process the claim.

Was the policy still inforce? Families often find a copy of an insurance policy and assume this means the policy was inforce at the time of death...............all too often it isn't.

Was it more than 7 years ago? If so, and they were unable to locate a beneficiary, they are required to escheat the funds to the State Treasurer's office of whatever State the Home Office is located in. You will have to contact them if that's the case.

Otherwise, unless you're leaving some important information out of your question, the claim should be paid. As long as all the claim criteria is met, there is no statue of limitations.

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