Our top-rated life insurance attorneys will help you recover your life insurance benefits. We assist clients with legal matters involving both delayed and denied claims, and if there is no recovery, there is no fee. Our primary aim is to protect the rights of our clients, who may be policyholders or beneficiaries. We have successfully recovered money for our clients in the majority of cases, and our lawyers are fully prepared to litigate the case in the unlikely event that we don’t get you your money within a few weeks. Contact Form
We know these companies make money by collecting premiums, not by paying out on policies. We also know that some companies will participate in illegitimate practices to deny or delay payment to policyholders and beneficiaries. In fact, these companies employ large teams of legal professionals to ensure that people do not receive payment, or that people accept minimal settlements. Our firm will recover the full amount of the policy.
When a loved one passes away, life insurance benefits can provide beneficiaries with much-needed financial support. However, in many cases, life insurance companies deny coverage for various reasons adding to the tragedy and grief of the family. When a life insurance policyholder pays premiums to the insurance company, the policyholder relies that the insurance company will diligently pay the death benefit upon the death. When carriers handle claims in an unfair or incorrect manner, a beneficiary has a right to file a lawsuit to challenge the denial. Our attorneys have vast experience representing policyholders and beneficiaries against major national life insurance companies by litigating in state and federal courts and obtaining successful results for our clients.
Unfortunately, insurance companies routinely look for excuses to deny claims. Each denied claim translates into the company's profit. A typical method for denying death benefits is for a carrier to find incorrect or incomplete information on the life insurance application. Such refusal to pay may constitute a breach of contract on behalf of the insurance company and may be in violation of some state laws prohibiting insurers from acting in bad faith.
A life insurance policy is essentially a contract between a policyholder and an insurance company. As a result, an insurer will look for facts that seem to violate the terms of a policy, and if such facts do exist, coverage is usually denied. An experienced life insurance attorney will determine whether or not an alleged violation actually constitutes a violation of contract terms.
In an effort to rescind a life insurance policy insurance companies often rely on irrelevant terms. If such actions are immaterial to the cause of death, a breach of contract has probably taken place. For example, an insurer may deny a death claim on an insured who died in a drowning accident but did not state on his original policy that he was a smoker. Here, the insurer might argue that the policy was voided by false information. However, the alleged misrepresentation needs to be material under state law for the carrier to rescind the policy and void life insurance coverage. In addition, if the two-year contestability period expired, even a material misrepresentation cannot void coverage.
Has your life insurance claim been denied? Do you have to deal with an unusually lengthy review of your claim? Has your life insurance lapsed due to late payment of the premium? Our skilled attorneys fight hard for our clients' interests to make sure they get the benefits to which you are entitled as fast as possible.
If you need help in collecting life insurance benefits, the lawyers in this directory have the litigation experience to help you win in the battle against large insurance companies. Please contact us for a free legal review of your claim.