Start here
The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why the denial is not final
An automated denial is still a decision, and decisions can be appealed — insurers are required to run an appeal process with deadlines, and a clear, factual letter that names the policy basis and the specific review requested is what triggers a real re-review.
The letter does not need to be a legal argument. It needs the facts: the claim, the denial, the policy language that supports you, and the specific re-review you are asking for, filed before the deadline.
The protocol
- Enter the denial: the claim, the stated reason, and the date.
- Find the policy language that supports your claim.
- Generate the appeal letter with the specific re-review requested.
- File it before the deadline, and keep the dated copy.
What the tool does
Build an insurance appeal letter from the denial details, the policy basis, and the review requested. It runs in this browser; nothing is sent or stored.
Limit first: This is a letter aid, not legal advice and not a guarantee of any insurer's decision. File before the deadline, and contact your state's insurance regulator if the insurer will not act.
Open the companion tool →One human next step
File the appeal before the deadline and keep the copy. If the insurer will not act, contact your state's insurance regulator.
Research log and safety checks
AI-assist path: not applicable — an appeal letter must state the reader's own facts and policy language; a model draft risks inventing a policy basis. §6.10: not a frontier-pace topic.
§0.5 protection result: category is rights-recourse; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.