Has an insurance company refused to pay out on a life insurance policy? Have you had a health insurance claim that's been unfairly denied on the grounds that the procedure isn't covered by your policy, is not medically necessary, is an experimental treatment or was not authorized? When an insurance company refuses to pay a legitimate claim, it is said to be acting in "bad faith." But don't be discouraged. Life and health insurance attorneys can help you take legal action against the insurer, forcing the company to honor the policy and provide the coverage or payout to which you are entitled.