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Was Your West Coast Life Insurance Claim Denied?

Wrongful Denial Lawyers at Gianelli & Morris Are Ready to Get You the Benefits You Deserve

If your life insurance claim was denied by West Coast Life Insurance Company, we’re here to help you fight back. Call the claim denial law firm Gianelli & Morris for seasoned advice and representation. We’ll carefully review your policy, evaluate the reasons offered for your claim rejection, and make sure that your benefits have not been illegally withheld. If there is anything of concern, we’ll correct the record, appeal your denial, and, where necessary, take your case to court. We fight for California insurance policyholders and beneficiaries to get the benefits they are owed.

Who is West Coast Life?

West Coast Life Insurance Company is a subsidiary of Protective Life Insurance Company, the primary subsidiary of Protective Life Corporation. Protective is a major financial services provider with annual revenue of more than $6.5 billion and total assets in excess of $126 billion. Protective markets a variety of financial products to customers including annuities, asset protection, and various types of life insurance. Subsidiary West Coast Life is focused on the provision of life insurance and annuity products to customers nationwide.

West Coast Life, Protective, and a History of Wrongful Policy Lapse

Protective and West Coast Life have been embroiled in high-profile legal challenges targeting the insurance provider’s unscrupulous business practices. In fact, Protective is notorious for being the subject of a landmark California Supreme Court decision clarifying protections for customers.

Protective had a habit of allowing life insurance policies to lapse due to non-payment of premiums without providing proper advanced notice to policyholders or designees. The company claimed that the state’s law applied only to policies issued after the notice rule was codified. In McHugh v. Protective Life Insurance Co., the California high court ruled that all life insurance policies issued in California are subject to the notice rules, regardless of when they were issued. Protective, West Coast Life, and all other California insurance companies are no longer allowed to intentionally allow policies to lapse without providing proper notice and a minimum grace period for correction.

Seasoned Life Insurance Denial Attorneys Fighting Back Against Wrongful Claim Denials

The California insurance claim denial attorneys at Gianelli & Morris have decades of combined experience calling out companies like West Coast Life and Protective on their unjustified denials and other bad-faith conduct. Regardless of why your claim was denied, we’re ready to help you fight back. We’ve helped customers successfully obtain coverage despite claim denials based on, for example:

  • Policy lapse due to non-payment of premiums
  • Insufficient supporting evidence for life insurance claims
  • Policy rescission based on alleged misrepresentations in the initial application
  • Uncovered cause of death

Just because West Coast Life cites one of these reasons in denying your claim does not mean their denial is legitimate. Life insurance companies must adhere to strict rules when evaluating claims, and you have the right to push back on a wrongful denial. We’re here to help. Call our experienced wrongful claim denial law firm today for advice and representation.

Call Gianelli & Morris Now for Help Getting the West Coast Life Insurance Benefits You Are Owed

If someone you love has passed and your life insurance claim has been denied by West Coast Life, Protective, or another California life insurance provider, contact the knowledgeable, diligent, and accomplished Los Angeles insurance denial lawyers Gianelli & Morris for a no-cost evaluation of your claim at 213-489-1600.

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