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Is Your Life Insurance Company Blaming You?

Is Your Life Insurance Company Blaming You?

In life insurance litigation, binding the insurer and making it responsible for the “brokers” or “agents” actions may make the difference between winning or losing your case and getting your life insurance benefits.

We are lawyers, highly experienced in Federal Court and State Court, on all insurance issues, including whether a life insurance agent or broker may be responsible for the problems you are having with your life insurance claims.

The first point about insurance agents and brokers (which are not the same thing) is that we try to focus litigation on the insurance company, not the agent or broker.  The insurance company has the power to pay the claim, not the agent or broker. Insurance brokers and agents act as the customer contact between insurance companies and potential customers – an agent is a person who is authorized by the insurance company to sell insurance on its behalf.  An agent has a separate contract with an insurance contract, detailing the agent’s authority to act, take applications and premiums, and communicate about the policies.

Is The Insurer Claiming “Application Misrepresentation”?

Misrepresentation means that the life insurance company claims that in the life insurance application “Health History Questionnaire” contains false statements and/or intentional concealments of true facts of the insured party. This means the Life Insurance Company is blaming the insured party.

Why Is Your Life Insurance Company Blaming You?

These days, insurance companies, especially life insurance companies, when asked to pay on a policy, really begin the “blame game.”  Who can they blame, to avoid paying the life insurance benefits?

Are Life Insurance Policy Brokers/Agents Loyal To You?

“Brokers” sell insurance policies on behalf of more than one insurance company, and accordingly have the power to bind these insurers on coverage and other matters.

A broker is an agent of more than one company.  (In particular situations, such as policies involving the sale of disability or life insurance, insurers are required to appoint agents as their own agents for a particular insurance transaction.)  Usually, a life insurance agent is the agent for one company, although there are also life insurance brokers, agents for different companies.

There are so many different arrangements that it really takes a life insurance lawyer NOW to understand and work to make the system fair and reasonable, and work for you. Despite these difference, agents and brokers may look and act the same to a consumer – selling insurance policies and earning commissions based on the policies sold.  There is another layer of legal issue, on whether the agent is acting as agent for you, to help you get the most appropriate insurance available.  Many of the life insurance companies are not based in California and display a shocking lack of regard for the complexity of California life insurance law, Insurance Codes, and California Insurance Regulations, not to mention the many legal precedents.

This is an area we really know, better than many other lawyers, because we have argued and litigated the issue from both sides for decades.

These cases can involve discovery into the finances driving the broker’s or agent’s revenues and compensation.  How does that arrangement possibly motivate a broker or an agent to recommend some policies over others?  Some policies may earn the agent or broker higher commissions, which may or may not be appropriate. Agents and brokers only have liability in certain limited circumstances so you will need an experienced attorney to determine whether an agent or broker has done something that you can use to win in Court.  Law is not something that just flows the way you think is reasonable, especially in the field of insurance litigation, because the life insurance companies are some of the most aggressive users of the State and Federal Courts.  We know, because we have been there fighting the life insurance companies, and for you, the beneficiary, for decades.

If you have a problem getting your life insurance claim paid, 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 NOW.  Use the form on our site, or email us, or call (888) 997-4070 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” – we are here for you NOW.

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Has Your Life Insurance Company Sent You A Check?

Has Your Life Insurance Company Sent You A Check?

Has Your Life Insurance Company Sent You A Check? – If Your Life Insurance Company Sent You Back All the Premiums You Paid, Think TWICE Before You Accept that Money.

Some of our clients make their first call to us when they receive what they find the strangest thing: their life insurance company has sent them a check, but not for the amount of the life insurance benefits.  Instead, the life insurance company has sent them back the amount of all the premiums that their loved one paid for the life insurance policy.  This is very surpsing, and confusing.  How did hte life insurance company pick this amount to pay?   Will the rest of the policy benefits ever arrive?  (Answer: No, unless you hire us to change the situation.)  But why did the insurance company do this?

If you receive a check from your life insurance company for the amount of the premiums paid, but not for the policy benefits, watch out.  Read and understand the letter that the insurance company has sent along with the check.  The insurance company has its own plan here–and it isn’t going to help you.  The life insurance company seeks to make the policy just disappear.  In the language of life insurance companies and the law, they seek to rescind the policy.  What does rescind mean?   Rescind, and rescission mean the same thing.  To undo the life insurance policy, to go back to the time before the policy was in place.  Instead of living up to their part of the contract, to pay the life insurance benefits when your loved one has passed away, instead, the insurance company doesn’t even want to have a contract with you.

Rescission and rescind means that the insurance company seeks to vaporize the contract.  To make it official and binding, the life insurance company usually sends back the money paid in premiums.  (Yes, it can get worse, there are some companies that argue rescission, but then don’t even want to pay back the premiums.  Instead, they want to keep the premiums as a set-off for their own legal fees.  But that is another comment.)  As the final step of the life insurance company’s plan to make the life insurance disappear, they send back the premiums.  Because life insurance companies usually try to do rescission (rescind) and return the premiums to you.  The rescission takes place in the first two years of the policy, so there is less than two years of premiums involved.  For the life insurance company, this is a easy decision to make.  They would love for you to accept the check, accept their rescission, and have that be the end of it.  For the life insurance company, its just money.

Don’t cash the rescission check.  Just don’t.  Keep your eye on the point of justice.  We can make that life insurance company comply with the law, and the policy premium is much more than the amount of premiums they want to return, and call it over.

If you have cashed the check, don’t give up.  We may still be able to help you, but the cashing of the check is a fact that the life insurance company will argue again and again, to distract from the real merits of the case.  So, as general advice, call us or write us or chat with us.  Don’t cash the check, but if you have, don’t give up all hope.

Don’t accept a rescission of your loved one’s life insurance policy.  When the life insurance company sends you back the money paid as premium, you know they will be a difficult opponent.  Contact us, at LifeInsuranceLawyerNOW.com , by chat, by the form on our site, by email, by phone call to (888) 997-4070, or direct at (818) 937-0937.

Talk to an actual, experienced life insurance lawyer NOW, for a free consultation, and answers to your questions, starting NOW.  We usually work on a flat fee or contingency basis, with the best rates available. On a contingency, you don’t owe anything as fees unless there is a recovery, and the fees are paid from that recovery.   We are here to help.

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Frequently Asked Questions About Life Insurance Law

Frequently Asked Questions About Life Insurance Law –

Life Insurance Bad Faith: What does this mean?
Life insurance bad faith means that a life insurance company is unreasonably delaying or denying life insurance benefits. Sure, a company can investigate a claim. But a life insurance company cannot unreasonably investigate a claim, with an eye towards finding any half-reason to deny the claim. When companies go beyond what is permitted by the California law, regulation, and Courts, they act in insurance bad faith. The compensation for insurance bad faith can include bad faith damages, attorneys fees, emotional distress, and punitive damages. This is a very complex area of law, and to win insurance bad faith damages, you really will need a life insurance lawyer now.

Duty to Provide Coverage: What does this mean?
A life insurance company has a duty to provide coverage; that is, to try to find coverage, so it can pay the benefits under the policy. An insurance contract is a special kind of contract, not the usual commercial contract, but is for something even more: peach of mind. A life insurance policy even more (since it involves death or serious injury) is very much about peace of mind. Because of this, the law requires a life insurance company to look to provide coverage. A duty to provide coverage is an important part of a California life insurance policy, and the lawyers at life insurance lawyer now can provide the arguments to get your life insurance benefits paid.

Incontestability: What does this mean?
In California, because there is such a strong consumer interest in peace of mind in a life insurance policy, there is a limited time that a life insurance company has for certain defenses to the policy. After that time limit has passed, the life insurance is incontestable. Even though there is strong California law on this important consumer right, many life insurance companies, particularly from outside of California, seek ways to use the law’s complexity to avoid the policy incontestability. The lawyers at life insurance lawyer now are adept at arguing the complex laws of incontestability in favor of policy benefits being paid.

Fraud: What does this mean?
When an insurance company uses the term “fraud” they mean that the insured, or someone else, intentionally misled them, usually with a policy application misstatement. The life insurance company will argue that without the misstatement, they would not have issued the policy, and that the “fraud” of the misstatement means that they should not have to pay now. When we use the term “fraud” we mean that the life insurance company had an intention to not pay on the policy, which was improper and prohibited by California law.

Application Misstatements: What does this mean?
Life insurance has an application. The life insurance company wants to be certain there is some potential for a person to out last the policy, and to be sure the person does not expect to die soon. Life insurance companies also have other questions that they seek to answer with policy applications. Even though life insurance companies have a limited length of time to investigate an application, sometimes they would prefer to do no investigation before issuing a policy, but then try to do more investigation if and after there is a claim for the benefits. Under most circumstances, this is not permitted under California law and regulation – yet we see it often.

Why Does a Life Insurance Company Delay the Claim?
Besides the additional earnings the life insurance company makes on the money it keeps longer, delay means there is an investigation into searching for a way to deny the claim. Delay,  is always about the insurance company searching for one of its excuses to not pay the benefits. Because of the complexity of life insurance law, it is very important to get an experienced life insurance lawyer now on your claim.

What should I do if I the life insurance company is delaying the payment?
It is really better to hire us before the delay becomes denial. (Of course, we get benefits paid on many denied claims, too, but delay is a different stage.) You should retain a life insurance lawyer now before the delay turns into denial. Why? When we are involved in pre-denial stage, we may be able to show the insurance company why the claim should be paid. We can help avoid denial, and avoid further delay. Life insurance lawyer now can immediately begin to act on your behalf; the insurance company will know that you will not take no for an answer.

Many times, when we come in pre-denial, we can reduce the delay and get the payments paid. They could be paid within 30 days, or sooner. After a denial, we can still do it for you, but it simply takes longer to convince the insurance company to undo the decision they have already made, and make the opposite decision. After the denial, there are two additional steps, and those take time. We have a lot of writing and arguing to do, to motivate the insurance company to take those two additional steps.

Why do insurance companies delay life insurance claims?
Insurance companies don’t like to pay; they prefer when you pay premiums. Delay means they are looking for some reason to not pay the claim. They may ask for paperwork over and over. The biggest delay is a new search through the insured’s medical records. Typically, the life insurance company is searching through the records for something to use to say the application was false, and to deny the policy. There is no such thing as a routine investigation. It is all for one life insurance company purpose: to not pay the money to you.

Why do insurance companies delay life insurance claims?
There are several reasons that the life insurance company delays the claim, by creating an investigation. The company may demand so much paperwork, from a grieving family, that it just becomes too much for the family to keep up with – that’s their goal.

Especially if the family does not have a life insurance company lawyer now helping them, people just get worn down. It is a very difficult time for people, dealing with a loss of a loved one, and searching for papers over and over is tough. But if the life insurance decides you are not cooperating, they may close the investigation, without paying the life insurance policy.

How long does it take for a life insurance claim to get paid?
You should call life insurance lawyer now if your claims are not already paid, within 20 days of when you submitted the death certificate, or if you have been notified that there is some investigation started by the company. Most claims are paid routinely – congratulations – but on larger policies, above $100,000 and beyond the life insurance company has many reasons to not pay, and may delay the claim. That delay is your signal that the life insurance company is going to give you a hard time, and you need a life insurance lawyer now. Remember, the life insurance company has lawyers on its side; don’t be without the guidance and help of an expert life insurance lawyer now.

Often, once we get involved, we can get the life insurance company to pay regularly. It is really important to have an experienced lawyer’s help, without delay.

What will it cost to have your firm handle my delayed life insurance claim?
We work on a contingency fee basis, and we don’t get paid unless you get your money. Our fees are the same or better than any other firm, and with us, you get much more service and value. Other firms usually require you to pay costs of litigation before they will proceed, but we believe in your case enough to wait for success on the case. We also offer grievance and loss counselors.

What are my options if my life insurance claim was denied?
You should retain a life insurance lawyer now from our law firm. We are highly experienced lawyers on insurance bad faith and coverage disputes. We have previous experience providing advice on the most serious of cases – including punitive damages and $100,000,000 claims–to the highest levels of insurance companies. We understand how these companies think, work and act, from the lowest level basic life insurance claim adjustors, to the company presidents.

We litigate high-stakes financial litigation, where everything important is on the line. You don’t want a lawyer unfamiliar with life insurance law and regulation – but you also will benefit from a lawyer who is aware of legal developments in several other complex areas of the law. We have the proper balance in our firm of litigating life insurance claims and cases, and other high stakes insurance litigation, which gives us the best views on the best strategy for your particular situation. Because we involve a team approach on every claim, and test juries on every case, we believe that our results are better than you can get anywhere else.

What is the cost of lawyer from a LifeInsuranceLawyerNow.com?
Our fees are contingency, meaning you only pay us if we recover for you, unless you want a different fee structure. Our fees are extremely reasonable, and we can discuss phased or other fees that will always be better than any other firm’s fee. Remember, you pay us nothing unless we get money for you.

What are some common reasons for a life insurance claim being denied?
Delay itself as a defense to the policy. The life insurance company may just try to win by delay, to ask that you send them documents, and then just deny the claim because you did not send something. Every policy not paid because of delay is a win for the insurance company business bottom-line, even if it is illegal. They seek to bury you with paperwork, because that can work against a non-lawyer. It won’t work against us.

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? 

Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim?  Has the life insurance company sent you a letter stating that they are rescinding the policy, making a rescission, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment.  Rescission is a favored strategy of the life insurance company, if the policy was issued less than two years before the death.

We can help.  Call LifeInsuranceLawyerNOW.com at (888) 997-4070, or (818) 937-0937, or send an email to us in the form on the side of the screen.  We are highly experienced lawyers, not paralegals, and we know this area.  We get right to it with you and the insurance company, and get many claims paid right away.  If court is necessary, we are regular Federal litigators and will push the life insurance company hard for the well being of you and your family.  We respect you, deal directly with you, and understand not only the law and facts, but what you are going through.  We are here to help.  Contact us as soon as possible, to get your claim paid faster.

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Accordia Life Insurance Company: Problems With Your Claim Or Interpleader?

We get a lot of questions about Accordia Life Insurance Company at times. This is a large professionally run life insurance company, with many lawyers in the background. But some customers and beneficiaries have issues with Accordia, because Accordia has bought up some other life insurance companies in the last few years, and those companies had bought up other life insurance companies before. Sounds complicated, right? It certainly is. When life insurance companies have a number of mergers, the behind the scenes issues in keeping all the electronic and paper files accessible can become a real problem, too.

For more on this, check our blogs on Transamerica Life Insurance Company–similar issues. What do these merger and acquisition issues have to do with you, the insured? You just want your benefits paid with delay, and certainly only to the right person–you. Our advice is that you really need to be on top of things when dealing with a life insurance company that has bought up a bunch of other life insurance companies, especially if your life insurance policy was with one of the acquired companies. Many times we see that the key and important documents may be from fifteen years ago, or more.

Finding a clear copy and even the original of such an important and old document is important. It is that much harder if the insurance company has been bought and merged with another life insurance company, using a different type of computer system, and different ways of storing and indexing files. Believe it or not, one of the less glamorous things we have done in law is going to life insurance company document warehouses, to take depositions of custodian of documents, and other personnel, to get to the real truth about important documents. When dealing with Accordia Life Insurance Company, and Transamerica Life Insurance Company, and other companies with recent mergers, acquisitions, and changes, it is really important to take some notes and keep your records, about who you spoke to, and what they said. Better, get us on your claim, and we will handle all that for you, tight and professionally, and get your claim paid, without more delay. 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”, we are here for you NOW.

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Life Insurance Lawyer Las Vegas

While Las Vegas is thought of as a vacation, for fun and gambling, its also where many of us live. Even if you are just retired, and living in Vegas or Henderson because you never want to deal with snow again, you expect life insurance to pay if someone’s life is lost. You expect people and companies to keep their promises. Especially about life insurance polices, since the payment is only needed if something tragic has happened. But too many life insurance companies look at claims as just the start of an investigation–all pointed to a way to avoid paying the claim. Even if the person talking at the life insurance company sounds nice, what the company does is not nice.

Las Vegas isn’t just a place with more than 150,000 hotel rooms. Las Vegas is home to many of us, for retirement, for the many jobs available, or just because desert living is awesome. Bartenders are said to do particularly well in Las Vegas. There are many strong union jobs, which can come with some important life insurance benefits, too. Vegas is a great place to raise a family, with the lowest taxes in the country. There is so much tourism that it helps the locals to live better. From the oldest hotel in Las Vegas, the Golden Gate Hotel in downtown, which opened in 1906. Gambling (legal and licensed) began in 1931 during the height of the Great Depression. More than 600 people a day get married in Las Vegas.

Our clients from Las Vegas include people who worked in hospitality and restaurants, often behind the scenes, who bought life insurance either through their jobs, or through an agent, or on line. None of our clients wanted to see their life insurance used so soon. They were also surprised by the nasty energy of the life insurance companies, asking too many questions, seeking medical authorizations even when our clients should not have signed them, and just plain delaying payment. Our clients are hard working people, not life insurance specialists. Our clients were each sad and grieving the loss of a loved family member. Sometimes it was a car accident, or even something that could be suicide, or alcoholism, but each time, we worked hard to get our clients paid. Our clients are very relieved to have us fighting for them.

We can work totally by phone and email or text. You do not have to come into the offices to see us, or bring us papers. If you want to meet, we can make an appointment and see you in Las Vegas. The important part is we are here to help you, and make you happy, in this difficult time. Client service is what we do!

The life insurance claim investigation includes too many questions, too many “authorizations” to sign, and too much delay. You might not know why the life insurance company is asking so many questions–you paid for the policy, and the person has passed away. Based on our more than twenty years of experience, the life insurance company has a reason for every question they ask. Each question is designed by a manager and lawyer, looking for a reason to not pay your claim. That is it. We always see the same pattern: the policy should be paid. The policy premiums were paid. The insured person has died. The policy should be paid. Instead, the questions begin to pour out.

Especially if the policy was sold less than two years before the person passed away, during the “contestible” period, the insurance company will aggressively investigate. We have seen private detectives sent out to talk to neighbors, to visit the gravesite, to get all the medical records they can get.

The life insurance company looks for things that normal people might be tripped up with, on the application. The favorites are smoking history and alcohol use. Many of the life insurance applications involve long, confusing questions about smoking history and alcohol use, both past and present. The life insurance companies want you to sign a medical authorization–even if you are not the husband or wife of the insured person–so they can get every medical record. Using those records, they test what a person put on the application against the pages and pages of records. No doubt, they find anything that isn’t exactly the same, and then refuse to pay the claim. The life insurance will rescind the policy, send you back the money paid to the insurance company, and try to avoid the paying anything more.

We also handle a lot of interpleader type cases. An interpleader is when the life insurance company has two or more people each claiming the same money. Instead of deciding which one should get paid, the life insurance company begins a lawsuit called an interpleader. Interpleader is a type of lawsuit, usually in Federal Court, where the judge decides who gets paid. Life insurance companies like interpleader because it makes the judge decide, not the company. The problem for people is that even if you are the one true beneficiary, you still have to comply with all the Court rules, and put your case on before the judge. Even if you are right, you can lose if your lawyer or you doesn’t follow all the rules right, or if there are other problems with evidence. We know interpleader, and we go into Federal Court all the time, so we are adept at winning your interpleader case.

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 LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.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.

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Life Insurance Lawyer San Diego . Oceanside . Escondido

Many people will agree: the best places to live are in San Diego, and close to San Diego. With miles of coastline, and beautiful land all around, great ocean air, and mostly sunny days, this is a wonderful place to live. We have clients throughout the San Diego area. Most of the time, we are able to work with clients just by phone and email, so they never even have to come to the office. We are happy to make appointments with you, at the office, or to come to you. We work hard to make this difficult time easier for you, so you can focus on other important things.

From the Torrey pins, to the avocado orchards, Comic-Con to Coronado, Apple orchards to the world famous San Diego Zoo, the San Diego area has more than something for everyone. High rises downtown, shoreline, surfing, harbor seals and Navy Seals, San Diego has so much. While spread out, the area is about the eighth most populated city in the United States, and usually the second or third in California. With one of the top climates anywhere, a generally safe and friendly city, we have the privilege of having many clients in the area.

Our clients in San Diego county include families and people who have retired to enjoy the area. For both, our clients tell us that they just want the life insurance company to stop playing games, asking too many questions, and delaying payment. People expect for a life insurance company to pay a policy out without delay, if there is a claim made on the policy. Instead, our clients tell us that they suddenly felt like they had become suspects. The life insurance company did not seem to believe anything that our clients told them. Even more insulting, the life insurance investigation seemed focused on attacking the truth telling of the person who was insured and had passed away. The life insurance company accepted the application, sometimes even the company’s agent filled the application out for the insured. The life insurance company was careful to get a payment whenever it was due. But when the family needs the claim paid, instead they get a tough investigation. Or just a refund check, for the amount they already paid for the policy, instead of the full amount that was promised. We help each of these clients to get what is due under the policy.

Some of our clients in San Diego have moved around a lot making it hard for them to find documents. Don’t worry! We help responding to the life insurance company. We don’t make people who have just lost a loved one, worry more about finding some odd records from the past. Instead, we aggressively push back against the life insurance company, to make them follow the laws and regulations, to quickly review and pay claims. We don’t let life insurance companies avoid payment because someone there has a hunch, or suspicion about things. Claims have to be paid unless there is a very clear legal and factual explanation for not doing it. We know the California law and we make sure that the life insurance company decision makers–who are often not even in the state–follow the laws that protect all Californians, and our clients in San Diego.

Some of our clients in San Diego have interpleader complaints. An interpleader is just a legal process where a judge decides who gets paid the life insurance benefits. An interpleader takes place when two or more people seek the same money. There are competing claims, in the view of the life insurance company. The life insurance company will avoid making a decision, paying one over the other, by filing a lawsuit, called an interpleader. The interpleader process gets the judge to decide, not the life insurance company. The side that does not get paid loses any rights against the life insurance company, too. So an interpleader is the who decision–there are no cases after that.

For our interpleader clients, it is hard when you know you are right and the other side is not. But the problem is, this is now a lawsuit that has to follow the correct legal process. Even people who are right can lose a lawsuit. Lawsuits are lost when a person doesn’t provide all the evidence, in the right way, for the judge to see. There are lots of ways people and even their lawyers lose cases. Because we are often in Federal Court, and we often handle interpleaders, we will make sure that all the good evidence is heard by the judge, so you have the best chance of winning what is right.

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 LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.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.San Diego Life Insurance Lawyer

Many people will agree: the best places to live are in San Diego, and close to San Diego. With miles of coastline, and beautiful land all around, great ocean air, and mostly sunny days, this is a wonderful place to live. We have clients throughout the San Diego area. Most of the time, we are able to work with clients just by phone and email, so they never even have to come to the office. We are happy to make appointments with you, at the office, or to come to you. We work hard to make this difficult time easier for you, so you can focus on other important things.

From the Torrey pins, to the avocado orchards, Comic-Con to Coronado, Apple orchards to the world famous San Diego Zoo, the San Diego area has more than something for everyone. High rises downtown, shoreline, surfing, harbor seals and Navy Seals, San Diego has so much. While spread out, the area is about the eighth most populated city in the United States, and usually the second or third in California. With one of the top climates anywhere, a generally safe and friendly city, we have the privilege of having many clients in the area.

Our clients in San Diego county include families and people who have retired to enjoy the area. For both, our clients tell us that they just want the life insurance company to stop playing games, asking too many questions, and delaying payment. People expect for a life insurance company to pay a policy out without delay, if there is a claim made on the policy. Instead, our clients tell us that they suddenly felt like they had become suspects. The life insurance company did not seem to believe anything that our clients told them. Even more insulting, the life insurance investigation seemed focused on attacking the truth telling of the person who was insured and had passed away. The life insurance company accepted the application, sometimes even the company’s agent filled the application out for the insured. The life insurance company was careful to get a payment whenever it was due. But when the family needs the claim paid, instead they get a tough investigation. Or just a refund check, for the amount they already paid for the policy, instead of the full amount that was promised. We help each of these clients to get what is due under the policy.

Some of our clients in San Diego have moved around a lot making it hard for them to find documents. Don’t worry! We help responding to the life insurance company. We don’t make people who have just lost a loved one, worry more about finding some odd records from the past. Instead, we aggressively push back against the life insurance company, to make them follow the laws and regulations, to quickly review and pay claims. We don’t let life insurance companies avoid payment because someone there has a hunch, or suspicion about things. Claims have to be paid unless there is a very clear legal and factual explanation for not doing it. We know the California law and we make sure that the life insurance company decision makers–who are often not even in the state–follow the laws that protect all Californians, and our clients in San Diego.

Some of our clients in San Diego have interpleader complaints. An interpleader is just a legal process where a judge decides who gets paid the life insurance benefits. An interpleader takes place when two or more people seek the same money. There are competing claims, in the view of the life insurance company. The life insurance company will avoid making a decision, paying one over the other, by filing a lawsuit, called an interpleader. The interpleader process gets the judge to decide, not the life insurance company. The side that does not get paid loses any rights against the life insurance company, too. So an interpleader is the who decision–there are no cases after that.

For our interpleader clients, it is hard when you know you are right and the other side is not. But the problem is, this is now a lawsuit that has to follow the correct legal process. Even people who are right can lose a lawsuit. Lawsuits are lost when a person doesn’t provide all the evidence, in the right way, for the judge to see. There are lots of ways people and even their lawyers lose cases. Because we are often in Federal Court, and we often handle interpleaders, we will make sure that all the good evidence is heard by the judge, so you have the best chance of winning what is right.

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 LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.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.