The Three Big Reasons to Get Us Working on Your Life Insurance Claim
Life insurance claim investigation is its own type of investigation, unlike other investigations.
One–the life insurance company is being deceptive and its only goal is to not pay your claim. Whether the person talking to you at the life insurance company sounds super nice and concerned, or if they keep losing your letters and nobody answers any of your questions, know this: the only purpose of the life insurance claim investigation is to not pay you. The insurance company is not there to help, they are not investigating the claim to see if they can pay it, they are not doing any customer service for you. The sole reason for a life insurance claim investigation is to deny your claim.
Why is this true? Because we have worked for insurance companies and know, really know, they only want to pay if they have to pay and there is no way to avoid payment. Whether the insurance company justifies this by saying “they are obligated to their shareholders to investigate claims” or they are investigating your claim because something doesn’t “smell right” the purpose of the investigation is to not pay you.
This is also true because after the life insurance company confirms that the policy premiums were paid, and has the death certificate to prove the death of the insured, it has everything it needs to pay the policy.
Getting medical records for the insured is not part of paying the policy, it is part of not paying the policy. The insurance company is looking for something in the medical records that shows that a question on the life insurance application was not answered truthfully, or to what the life insurance company expects.
Two–the life insurance company does these investigations all the time and is highly experienced. You are (hopefully) not experienced in life insurance claims investigations. You are part of the subject of the investigation. Whether you as the claimant tell the life insurance company something untrue is part of the investigation. A life insurance claim can be denied for a false statement by a beneficiary. Sometimes, a life insurance company may think the whole thing is a fraud, and do a fraud investigation, which is even more intense. Whatever type of investigation the life insurance company is doing, one thing is for sure: the life insurance company has many years of experience in this investigation and has a plan, to use its experience, knowledge and plan to avoid paying the benefits to you.
The life insurance claims investigation is not part of “customer care” or “customer service.” Once you make a claim for life insurance benefits, you are no longer seen as a customer by the life insurance company. You are not even seen as a friend, or even a person. You are a loss and losses are to be avoided, if at all possible. Even if the life insurance company can just investigate you into a standstill, where you can’t find enough documents that they demand, or can’t wait longer for the medical records or other items that are part of the investigation, the life insurance company’s goal is reached–to not pay you.
Three–You are the one involved in this, emotionally, financially, after losing a loved one. You are part of it, not objective. Ever hear “the lawyer who represents himself has a fool for a client.” ? Even lawyers usually have another lawyer help them on personal matters. Why? Because handling legal matters, like life insurance claim investigations, is personal and emotional. Your loved one is gone and these losses can really affect people. The payment of the benefits is a big deal to you. This is a one time significant amount of money. You can’t just expect this will work out for you. Even if there isn’t any “gray” areas in the investigation, life insurance companies can make mistakes. We see them make mistakes all the time. But it really takes a lot of effort to get a life insurance company to change its mistaken position. You, as the life insurance claimant, as a grieving person, as the person that this means a lot to, can really benefit from getting us fighting the claim for you. This is really important. We know if the life insurance claim investigation is going too far, if the items demanded are really appropriate or not. We can insulate you from constant demanding questions from the life insurance company. We can push for results when the life insurance company sends another letter stating it needs more time to “investigate the claim” and will follow up in another 30 days.
We have done this a lot. We take the time to know you and your case. We start working for you NOW. We communicate with you, respond to your calls, are available to you. We focus on how to win your case. If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact Life Insurance Lawyer NOW.com or life insurance justice.com. Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer. We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.
