Did Minnesota Life Insurance Company Deny Your Claim?

For decades, customers who have faithfully paid their premiums on their Minnesota Life Insurance policies expect the insurance company to fulfill its obligations when their lives are changed due to unexpected events. Unfortunately, the company has often taken advantage of this trust by delaying, undervaluing, or denying its policyholders’ valid insurance claims. If this story sounds familiar or if you are in a similar situation, you are not alone. Call Donahue & Horrow LLP today to ensure Minnesota Life is held accountable for its fraudulent actions. 

Located in Los Angeles and litigating cases throughout California, we have successfully secured millions of dollars for our clients for their denied insurance claims. Our legal team has more than 80 years of combined experience. We have a specialized understanding of how to fight insurance companies and secure the benefits you are rightfully owed.

Call us today at (877) 664-5407, if you think that you’ve been treated unfairly or unethically by Minnesota Life. Our legal team is ready to talk to you about your individual Minnesota Life policy and start developing an action plan to help you receive the financial compensation you may be owed. Working with us is absolutely free. You do not pay a penny out of pocket. We only get paid when you do.


Minnesota Life and Minnesota Mutual – both Part of Securian Financial 

Since 2018, Minnesota Life has done business as Securian Financial, a move to align with its parent company, the Securian Financial Group. Securian Financial’s portfolio includes life insurance (term, whole life, universal, and long-term care), accident & illness insurance (accidental health, accident insurance, critical illness, and hospital indemnity), and financial planning (annuities, investments, trust services, and credit protection).

As a whole, Securian Financial Group is thriving, with net income reaching $435 million in 2019. Therefore, there is no excuse for the company to deny insurance claims at the rate it does. However, the company continues to make it difficult for policyholders, like you, to collect the benefits you are rightfully owed. 


Minnesota Life’s Tactics to Deny Insurance Claims

Large insurance companies like Minnesota Life often intentionally delay or deny your insurance benefits by using these tactics: 

  • Refusing to believe that your subjective complaints — such as pain and fatigue — are real;
  • Failing to be specific in the information that you can provide to support your claim; and
  • Reviewing your social media posts to use what they find against you. 


It can be intimidating and difficult to fight against an insurance company on your own, especially since these insurance providers often try to “wear down” policyholders, like you, in the hopes that you will give up rather than fight for your benefits. LET US FIGHT FOR YOU.  If Minnesota Life is not helping you with your claim process, it might be a clear sign they may be trying to fraudulently deny your insurance claim by:

  • Hiring so-called “independent” outside physicians to review your medical records, with the expectation that those doctors will also produce reports that will support a denial;
  • Failing to talk to your doctors, or even worse, calling your doctors without an appointment so they are unprepared and attempt to trick them into saying that you are not disabled;
  • Attempting to rescind your policy because the insurance agent did not include information that you told him or her on the application; or
  • Not fully advising you of your rights and obligations under the policy.


Real Examples of Minnesota Life Denying Insurance Claims

Given its stature as such a large insurance company, Securian often faces scrutiny for its practices when disability insurance claims are involved. In one case, a plaintiff was a beneficiary of his late mother’s life insurance policy, and Minnesota Life refused to pay out the claim after her death. This group life insurance policy was governed by the Employee Retirement Income Security Act (ERISA), and the son ultimately received $1.1 million for the full policy, plus interest. This would not have happened if he was not represented by counsel. ERISA is very complicated and we are here to help you understand how ERISA applies to your claim and to assist you with the processing of your claim.

In another instance, a husband and wife purchased a Minnesota Life accidental death policy. When the husband later died, the wife’s claim was denied because the insurance company alleged that the fatality was a result of an accident outside of the events covered within the policy. However, the circumstances of his death, a seizure and accidental death were both listed on the death certificate. Minnesota Life was accused of not paying the claim out in full. Ultimately, the wife’s claim was paid in full.  This would not have happened if she was not represented by an attorney. 


Insurance Claims Require Fast Action – Do not wait!

Minnesota Life may operate under new branding, but the company continues to practice from the same playbook – denying policyholders’ insurance claims as a means to increase their profitability.   If Securian has undervalued, delayed, or denied your Minnesota Life Insurance claim, the time to act is now. All insurance claims have deadlines that must be met if you hope to collect the insurance benefits you are entitled to and this is especially true if your claim is governed by the Federal ERISA law. 

Minnesota Life may have broken your trust, but Donahue & Horrow LLP will not.  We are a trusted ally of policyholders. We hold insurance carriers accountable when taking advantage of their customers.

If you have any questions about your Minnesota Life Insurance Policy, call us now for a free consultation now: (877) 664-5407. Insurance policies are complex and intentionally confusing.  We are here to help you interpret the terms of the policy you purchased and assist you with your claim for benefits under your Minnesota Life policy.