Independent analysis of disputed TPD claims for financial advisers.
Delivered in 24-48 hours · Readable in under five minutes
The first review for any new firm is complimentary.
(No consultation call required)
Most advisers are not trying to interpret insurance law. They are trying to decide what to do next.
When a TPD claim is declined, there are usually three options:
Accept the decision and move on.
Push back with the insurer.
Refer the matter to a lawyer.
The difficulty is knowing which path makes sense.
The declinature letter usually sounds confident. The insurer cites the policy wording, refers to medical evidence, and explains why the claim has been rejected.
What is much harder to determine is whether the insurer’s position is actually well supported, or whether it depends on assumptions, interpretations, or reasoning that becomes difficult to defend once examined closely.
That is where this review helps.
Before you spend more time, refer the matter, or close the file, you will have a clearer picture of whether the insurer’s decision deserves another look.
A declined claim that should have been challenged can cost more than the benefit itself.
It can mean:
A client misses out on an entitlement they may have received.
A valuable client relationship is damaged.
Future referrals disappear.
Questions arise later about whether more could have been done.
On the other hand, challenging every declinature is not practical.
Some insurer decisions hold up.
The real question is:
Which claims deserve another look, and which ones don’t?
Most advisers already understand the client, the medical history, and the policy. The difficult part is determining whether the insurer’s reasoning actually supports the outcome they reached.
That is the question these reviews are designed to help answer.
The first review for any new firm is complimentary.
A concise overview of the insurer's position and whether the reasoning appears strong, questionable, or vulnerable.
The most important weaknesses, assumptions, evidentiary gaps, and interpretation issues identified in the declinature.
The areas most likely to support a further challenge, dispute resolution process, or legal referral.
A practical assessment designed to help you decide whether to push back, refer the matter, or accept the insurer's position.
A ready-to-send internal dispute resolution letter built from the findings of the review.
Not every declined claim should be challenged.
The purpose of this review is not to manufacture arguments.
The purpose is to identify whether the insurer’s position actually holds together when the policy wording, medical evidence, and stated reasoning are examined carefully.
Sometimes the review identifies meaningful vulnerabilities.
Sometimes it confirms the insurer’s decision is stronger than it first appeared.
Both outcomes are valuable.
Before you decide what to do with a declined TPD claim, find out whether the insurer’s position is actually as strong as it sounds.
Delivered within 24–48 hours. Readable in under five minutes.
The first review for any new firm is complimentary.