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Life Insurance Litigation (ILIT & STOLI)

Life Insurance Litigation (ILIT & STOLI)

At Life Insurance Lawyer Now, we are experts in Life Insurance Litigation (ILIT & STOLI). We work with policy owners, in all types of litigation, including Irrevocable Life Insurance Trust litigation (ILIT) and Stranger Owned Life Insurance (STOLI) Litigation. 

Are you involved in a life insurance policy where the life insurance company refuses to pay benefits?  Does the life insurance company claim that the beneficiaries are Stranger Owned Life Insurance which was improperly transferred?  Are you an investor in an Irrevocable Life Insurance Trust who has not received proper payment on the policy, or proper accounting from the trustee?  We are highly experienced in all aspects of Irrevocable Life Insurance Trusts and Stranger Owned Life Insurance litigation.  We can represent purchases, owners, and various beneficiary classes.  Because of our background in life insurance litigation, trust and probate litigation, and life insurance regulation, we can get you what you deserve to fight for your rights.

Irrevocable Life Insurance Trust (ILIT) litigation is based on a life insurance trust.  Life Insurance trusts are used frequently for holding high value life insurance policies for the benefit of estate planning, mixed beneficiaries, and (sometimes) for beneficiaries who may legally transfer those rights.  Because life insurance trusts are, of course, trusts, you need an attorney is experienced in the administration and litigation of trusts.  This is a highly state specific source of litigation knowledge and background.  We are qualified and well experienced in using the rights and obligations of the trust law to provide for justice in your specific circumstances of Life Insurance Litigation (ILIT & STOLI).

Here’s an informative article on ILIT.

Stranger Owned Life Insurance litigation is a speciality defense that has been created by the life insurance companies as a defense to payment on transferred beneficial rights.  Every life insurance company is pleased, if not excited, to write a new life insurance policy of  $5,000,000 or more, which are often involved in transferred beneficial rights.  But these life insurance companies are much less happy to pay an ILIT the policy benefits when the beneficiaries are not the original beneficiaries, or if there are other issues which create suspicion by the life insurance company.  Remember, the operating strategy of the life insurance company is sell, sell, sell not pay, pay, pay.

If you have a life insurance policy, or a life insurance policy is involved in trust or probate litigation, we are fully able to assertively litigate any of those issues, to make the life insurance company pay, and for your to obtain your full and fair share.

These benefits matter to our clients.  We work hard to obtain those benefits.  All we ask is that you give us the information you know, that you are truthful with us, and we will do whatever we can to help.  Instead of worrying about your life insurance problems, and whatever the life insurance company is saying to you–instead of just paying the policy benefits like they should–get in touch with us, and we can help.  Contact us by email, phone, chat, or web form, and we will follow up with you as soon as we can.  We want to help with these worries, and make things right.

If you have a problem getting your life insurance claim paid, or your policy has been rescinded or denied, 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 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 Interpleader

Life insurance interpleader means that the life insurance company will make a judge decide who gets paid. Since a life insurance policy is a written contract, you would think that the company would just follow the contract. But if another person makes a claim to the same life insurance benefits–the money that gets paid in the claim–the insurance company doesn’t want to deal with the problem. The life insurance company only thinks one question is important. That important question is whether the policy should be paid at all. After the company answers that question, it doesn’t really want to think about who should be paid. The life insurance company does not want to pay one claimant, to only have another person, unpaid, sue the company for not paying their claim.

When two or more people claim the same benefits, the life insurance company may use an interpleader lawsuit. Interpleader is really a two step legal process. First, the life insurance company names everyone who may have a claim on the policy. It is important to make a written claim on the policy. Then the life insurance company can decide if they have conflicting claims. This is different from a policy that names, for example, three people. If a policy is intended to pay three people equally, the company can follow those directions. But if two people both claim all of the policy, then an interpleader is used. Or whenever the life insurance company has determined that the life insurance policy should be paid, but doesn’t want to decide who should be paid.

You need to prove in Court that you are the right person to be paid. Even if you know that you are the only correct beneficiary on the life insurance policy, you cannot ignore a life insurance interpleader. Once the life insurance company files the interpleader, the judge runs the process. To the judge, this is another lawsuit, that has to follow all the rules and statutes to be prepared for trial before the judge. You can’t just expect to show up yourself in Court and win. It doesn’t ever work that way. There is preparation and compliance with rules and process. Without a lawyer who really knows how the process works, you won’t win before the judge. Because we really know the laws of life insurance interpleader complaints, and how the Court process works, we can get your claim paid. You might not even have to go to Court yourself, when you have us handle the interpleader lawsuit.

Another important fact to know about interpleader lawsuits is that the life insurance company usually brings them in Federal Court, also called United States District Court. The Federal Courts are very strict and have their own rules and systems. Only about 5% of all lawyers even practice in Federal Court. Another reason you want us as your life insurance lawyer is that we are always in Federal Court–we know our way around. We know the rules, and we know how to push your case. Federal Court is very different from State Courts, where most divorce and criminal cases are heard. Federal Court is so strict and severe that even small mistakes can result in a case being lost. The judges in Federal Court are chosen by the President, and confirmed by the United States Senate. Even though your life insurance benefit dispute is something personal to you, the busy United States District Judge that is assigned to hear it will have many hundreds more huge cases to hear, and is especially demanding with interpleader cases. Having a life insurance lawyer who really knows interpleader is critical.

We are the right life insurance interpleader lawyers for you. The three biggest reasons to chose us as your interpleader lawyer: 1. More than twenty years of active courtroom experience, working on insurance cases. For years, we worked for the life insurance companies. We have seen these questions from their side of the table. We have advised even the presidents of some of the largest companies, in the past. We know how these life insurance companies work, and how to make them pay your claim. If we are in Federal Court, we know how to show the Court that your case is a serious and important case, and that you should receive justice and the payment of your claim. Especially these days, it is important that the process moves forward, that your strong facts are put together in a persuasive way. Federal judges has said that our “arguments are persuasive” and they will be for you. 2. We work hard on your case. We put a lot of energy into getting the winning facts together, for you. We don’t make you do it all on your own. We listen to you with respect and understanding, and look for the smallest clues, that might lead to the strongest facts. We don’t expect clients to have all the answers. But when we listen carefully, we may hear things that lead to the discovery of new, strong facts, or a stronger and clearer way of presenting facts. We work hard so you win. 3. We are here for you. We know that the loss of a loved one is a big event in life. We know that this case is about your life, your family and the financial security you need protected. Our client’s come to us when everything is on the line, and they need lawyers determined to help see justice served.

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Life Insurance Lawyer Sacramento

Sacramento is both the long-time capital of California and the fastest growing city in California.  Sacramento is close to the Bay area, but offers a much more affordable life-style over more space.  Beautiful and located where two major rivers meet, and only about an hour from Lake Tahoe, Sacramento is the sixth largest city in California, growing and thriving.  Many of our clients have been from Sacramento and the surrounding residential areas.

Sacramento has a higher number of State government employees, some of whom have issues with life insurance through their work.  Other large employers in Sacramento offer life insurance programs through the workplace, which are generally covered by ERISA.  We handle many life insurance questions, whether through ERISA employment policies, or purchased directly through the life insurance agents, or even on line.  Typically, it is pretty easy to buy a life insurance policy.  It is much harder to get a life insurance claim paid, especially in the first two years of the life insurance policy, if there is an unfortunate claim in that time.  Many times, these life insurance companies act as if a person must have known they had a problem, if that person has the misfortune of passing away in the first two years of a policy.  The life insurance company can be really suspicious of these first two year claims.

In Sacramento, we have also helped clients on accidental death claims.  These accidental death claims are very tricky to handle right.  The accidental death coverages come up, generally, in two ways.  On large employment purchased policies, the accidental coverage can be really important, sometimes doubling the amount of life benefits available.  Funny thing, we regularly see life insurance companies that forget to determine if the claim is for an accidental death, and thereby pay half the amount due.  Sometimes, accidental death policies are sold as part of a credit union membership, or other group.  Those benefits can still be valuable, but accidental death coverage alone is very tricky to prove.  Most people never see the fine print about accidents not being caused or contributed to by illnesses or drug use.  Those two exclusions often become a fight–which we can handle–on accidental death claims.

In Sacramento, we have handled accidental death claims that involve the agricultural spillways and irrigation canals.  These secondary water systems can actually be quite dangerous, particularly during a high-flow event, such as following rainstorms–and the safety barriers are generally very slack, making a dangerous accident even more likely.  We have helped the families of people lost in these watery dangers to obtain the coverage they deserve.

We tell people that they should really watch out when a life insurance company asks for a medical records authorization, as part of a claim.  No matter what the company says, they don’t need those records to pay your claim.  The insurance company needs those records to search for a way to not pay the claim.  These medical authorizations may not even be properly signed by a person who does not have HIPPA compliant medical authority, but the life insurance companies regularly ask for it.  When a life insurance company asks for a medical authorization to be signed, watch out, and contact us for more advice about this important fact.

We like seeing our clients in Sacramento.  Whether you are close to downtown Sacramento, or out further, we are happy to help on your life insurance claims and cases.  These life insurance companies know that you don’t have experience on these claims, while they already have teams of lawyers advising them.  Each claim they can discourage and avoid being completed is a lot of profit to the company.  You and your family deserve a qualified, experience lawyer on your life insurance claim or case, to get you paid without delay.

We are also here for your interpleader law questions and cases.  This is your one chance to get justice on the life insurance policy.  We will help get this 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 Life Insurance Lawyer NOW.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 Serving Riverside

As your life insurance lawyer, we combine two main points: the most experience around with the best work efforts. Our experience includes many life insurance cases, where the company has refused to pay the claim, even rescinded the policy, and sent the premiums back to you as a check. We have handled many interpleader complaints, probably more than anyone else, over our more than twenty years of court experience. We work really hard on your case, because the specific facts in your case are put in the framework of the law, so you get your claim paid. We work hard to listen to our clients, to hear what important facts they may not even realize are important. We work to marshal all the evidence that helps your claim and your case. Federal Court judges have said that we “argue persuasively.” We will help you find the evidence, too, we don’t expect you to do it on your own. Our clients often say, from the start that they felt better, because they knew we were working hard for them, and keeping them informed. We use the best in technology, to make your part of the case easier on you. We are happy to talk by phone or meet by zoom; we don’t make people drive places unless it is what they want to do.

As your life insurance lawyer, we help to counter the many lawyers that the life insurance company has working for them. The life insurance company has their plan for you to not get paid. As your lawyer, we know just where to push the insurance company, so the questions stop, and you get paid. The lawyers that work for life insurance companies help the agents on the phone to ask about so many documents and so many personal questions, that many times, people just give up. That is part of the plan. We won’t let that happen. We won’t give up. We will help you answer the questions that should be answered. We will help you get the documents that are necessary. Usually, we can even get the needed documents faster than you, and easier, too. We understand and are respectful that you have lost a loved one; you are not looking for a detective game, just the simple peace of mind offered by the life insurance contract–the policy–that was sold when nobody thought there would be a problem.

The three main types of documents that life insurance companies want to investigate are 1. Medical records, 2. Employment records, and 3. Any particulars about the death that may not be covered. We have lots of experience in working through these types of documents. We know just how to use the documents, and the information in them, to get you paid, and not denied. You really benefit from having an experienced life insurance lawyer on your side. We have lots of medical experience and knowledge, and know how the medical records can be used to help pay a policy, or to deny a claim. We know about employment records, and the two parts of how they are used to help pay a claim. (The employment records can show the earnings if the life insurance is calculated on an earnings replacement underwriting basis. The employment records can also lead to more information about the person’s medical and disability background, which a life insurance company wants to use to deny or rescind a life insurance claim.)

Particulars about a loved one’s death are just things you don’t want to ever talk about. These reasons alone are a strong reason to hire a life insurance lawyer. Thinking about the cause of death, comparing medical records and reports, and whether a death was accidental, medical, or suicide are not the kinds of things you should do on your own. Because we truly want to help, we will handle these issues, confidentially, competently, and with your best interests in mind.

Our clients from Moreno Valley have worked in different kinds of work; warehouse, logistics, clerks, but when they needed a life insurance lawyer, we were there for them. Sometimes a person has life insurance coverage from their work or employment, sometimes people go through an agent or website and buy life insurance that way. When our clients have a policy that won’t pay their claim, and they need a life insurance lawyer, we help. We provide top notch services because we have more than 20 years of experience getting life insurance policies paid, we are effective because we understand the kinds of work our clients do (warehouse, driving, clerk, etc.) and we make sure that there is no problem with the application. As a life insurance lawyer, we know how to talk to the decision makers at the company, and their lawyers. The life insurance companies know that if needed, we will file a lawsuit, and push that suit very hard. Every year, life insurance companies see us traveling to ask the tough questions to their claims adjuster and claims managers. We make the company answer the questions, explain why they are taking too long to pay your life insurance claim, or refuse to pay the claim. Because we have been doing life insurance law for so long, and used to work for insurance companies, we really know what is important. If you are tired of the life insurance company running you around, asking too many questions, not accepting your answers, we have the life insurance knowledge, as lawyers, to force the life insurance company to follow the contract and law.

Bakersfield, California is the largest city in Kern County, with more than 350,000 perople living there, the 9th largest city in California. Kern County, more broadly, has more than 850,000 living there and Bakersfield is considered the hub.

Menifee is in Riverside county, north of Temecula and just north of Murrieta. One of the first Sun City retirement developments is in Menifee. With the rapid growth of the area, in 2008 Menifee became its own city, in 2008, with more than 80,000 residents these days. Some of the large employers, where people typically receive life insurance through their employment, include Ms. San Jacinto College District, the Menifee United School District, Targe and Menifee Valley Medical Center.

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Life Insurance Company Accidental Death Benefits

Life Insurance Company Accidental Death Benefits

Double Indemnity for Accidental Death? Getting a Life Insurance Company to Pay Accidental Death Benefits Takes Double the Effort!

Not that long ago, life insurance policies had a “double indemnity” clause for accidental death.  As we have written before, getting a life insurance company to pay at all can be a fight these days.  Getting a life insurance company to pay for accidental death benefits, especially on an accidental death policy, takes real expertise.

When a life insurance company sells a policy of insurance requiring that the insured die in just a particular way–by accident–the life insurance company is purposeful in narrowing when it will pay.  The life insurance company focuses on people’s fears to sell the policy–that an accident can happen at anytime–and no one plans for an accident, but then makes it hard to meet the insurance company’s requirement for “an accident.”

Just What Is An “Accident” To A Life Insurance Company?

To a life insurance company, what you think may be an accident, may not be an accident at all. Overall, you have to show that an accident happened.  Just requiring proof is harder than it seems as first.

If someone trips and falls, hitting their head, they may be injured in a way that makes their heart stop.  But if there is no witness to the trip and fall, the insurance company may try to deny the claim, and claim that the person had a heart attack, then fell.  A heart attack is not an accident to a life insurance company, and they would not pay any accidental death benefits without litigation.

  • Similarly, a car accident may not be an “accident” to a life insurance company. If the injured person had any alcohol or drugs in their system, claim benefits would be denied because the policy may exclude any accidents that involve any of those substances.
  • A solo car accident may be seen as an excluded suicide attempt. You can be sure that the investigators for the life insurer will be looking through the insureds medical records to find anything related to mental/emotional health conditions/treatments to bolster this.

Life insurance companies are always looking for ways to make what ordinary people find to be accidents into something else, so they won’t have to pay the benefits.

Just have a look at this list of Exclusions and Limitations from Farmer’s Life Insurance:

This is an accidental death only policy. No benefits are paid for a death from sickness, disease or natural causes.  We will not pay the Insured Benefit for a death which is caused by, results from, or is contributed to by:

  1. Suicide, attempted suicide, or intentionally self inflicted injury, while sane or insane;
  2. declared or undeclared war or any act of war;
  3. injury sustained while performing military duty or active service;
  4. participating in a riot;
  5. committing a felony;
  6. sickness or its medical or surgical treatment, including diagnosis or any bacterial infection except through a wound accidentally sustained;
  7. operating or riding in any kind of aircraft except as a fare paying passenger on a commercial flight;
  8. voluntary gas inhalation or poison voluntarily taken, administered or inhaled;
  9. being under the influence of alcohol or having a blood alcohol level at or above the legal limit at which it is unlawful to operate a motor vehicle (as defined in the state where the accident occurred);
  10. taking any drug, medication, narcotic or hallucinogen unless as prescribed by a physician;
  11. operating a mechanical or motorized device or motor vehicle while having a blood alcohol level at or above the legal limit at which it is unlawful to operate the mechanical or motorized device or motor vehicle (as defined in the state where the accident occurred, or, if there is no limit specific to the motorized device, the limit at which it is unlawful to operate a motor vehicle);
  12. riding in or driving any type of motorized vehicle in any kind of speed contest.

The above exclusions may vary by state and policy contract. Please read the Outline of Coverage specific to your state carefully when completing the online application.

After age 65, coverage is reduced per the terms of the contract. Coverage terminates at age 80 (75 in California).

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, interpleader, 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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California’s Special Insurance Laws And Regulations

California’s Special Insurance Laws And Regulations

California’s Special Insurance Laws and Regulations  

Life insurance companies are generally large corporations that sell life insurance policies in all fifty states – but these life insurance companies do not always make the effort to learn all of the requirements that each state may have regulating life insurance.  Many times, these life insurance companies are owned by large, international corporations.

California, being the biggest state, also has many times more laws and regulations which control how a life insurance company can act. 

Too many times, we have seen a life insurance company not really know that California has thousands of pages of the Insurance Code – laws affecting life insurance – and the Code of Regulations, and hundreds of different insurance cases from the California Courts.  The life insurance companies think that handling life insurance claims is more or less the same in these various states, even though they are wrong: California is very specialized and complex – and we know how to use California’s Special Insurance Laws and Regulations to your advantage.

There are many special California laws and regulations about insurance, which are largely ignored by the many lawyers and executives of life insurance companies.  You really need a lawyer who knows California bad faith insurance laws, and regulations, and all about life insurance.

Life insurance companies gloss over the California Department of Insurance regulations, such as the published “Fair Claims Settlement Practice Regulations” under Title 10 of the California Code of Regulations.  Although Title 10 cover many regulations, the regulations provide a concise time limit for claims handling, and every adjustor needs to be trained in it, we have found that there is deficient training in these regulations for many out-of-state insurance companies that do business with California insured.

California Code of Regulations Section 2695.5 sets out limits insurers must comply with when adjusting claims:

  • When an agent or other insurance representative receives a claim, that claim must be immediately tendered to the insurer; Within 15 days of Notice of a claim, the insurer must acknowledge receipt AND provide the insured with all necessary forms and instructions AND begin the investigation of the claim;
  • An Insurer must respond within 15 days of any inquiry from the insured and within 21 days of any inquiry from the California Department of Insurance; Within 40 days of receipt of the notice of a claim, unless the insurance company otherwise advises the insured in writing with reasons for delay and updates the reasons for delay every 30 days, an insurer must accept or deny claims in whole or in part and affirm or deny liability;
  • Claims should be paid within 30 days after coverage is determined or a settlement agreement is reached (subject to a few exceptions).

These specific time frames are minimum standards for good faith adjustment practices. We KNOW these laws. You need a lawyer like us in your corner.

Here’s a very informative article on the legal rights of those insured.

By the way, we have never seen the California Department of Insurance actually help a customer get insurance coverage paid; the only benefit the California Department of Insurance can do is a sales audit or survey of an insurance company’s claim handling, and this is never directed to helping one insured or one family – like you.  To fight back against a California insurance company or life insurance company, you really need a qualified lawyer, particularly from lifeinsurancelawyerNOW.com We are here to help.

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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We Know How To Win Life Insurance Cases

We Know How To Win Life Insurance Cases

Don’t think that your lawsuit will be like a television show! We Know How to Win Life Insurance Cases.

The practice of law in real life is not like television or the movies.  Cases don’t go to trial in a week.  Judges and juries don’t decide cases on “reputation” evidence.  The case isn’t on the tv news every night.  Instead, the reality is that the legal “process” is complicated and can take time.

By process, we mean that many different things must be done correctly to keep the pressure on the opposition – the life insurance company – to be sure that all of the strongest evidence is put together to support your case.  The right result does not just “happen” because the law requires it; the rules of the Court have to be followed to the letter, by each side.

The right result is the culmination of lots of hard work, persuasion, and the fulfillment of each legal requirement.

Do you know how to do this on your own? As your life insurance lawyer, we will do all that for you.

Delaying getting knowledgeable lawyers like us will cause harm to your case.  The life insurance company has many lawyers working for them – with the goal of not paying you a dime.

When the life insurance company asks you for things, it is because their lawyer has guided them – to find information to use against your claim.

If you are operating without a lawyer, just doing what you think a lawyer would do on tv, or bringing up all the bad things about another person without understanding the life insurance laws and what the Court needs to hear from you, you are going to lose.

The Court’s verdict is not determined on good or bad reputations or character, but on specific, detailed and provable facts.

As your lawyers, we will bring the right facts to the life insurance company and/or the Court, so you will be paid your benefits. We know how important these benefits are to you and your family.

The life insurance company has been working to avoid payment ever since they found out about your claim.

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.

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”.

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2 Types Of Life Insurance Company Litigation: Trust And Stranger Owned

2 Types Of Life Insurance Company Litigation: Trust And Stranger Owned

At Life Insurance Lawyer Now, we work with policy owners, in all types of litigation, including: Irrevocable Life Insurance Trust litigation (ILIT) and Stranger Owned Life Insurance (STOLI) Litigation – let’s have a closer look at 2 Types of Life Insurance Company Litigation: Trust and Stranger Owned.
  1. Are you involved in a life insurance policy where the life insurance company refuses to pay benefits?
  2. Does the life insurance company claim that the beneficiaries are Stranger Owned Life Insurance which was improperly transferred?
  3. Are you an investor in an Irrevocable Life Insurance Trust who has not received proper payment on the policy, or proper accounting from the trustee?

We are highly experienced in all aspects of Life Insurance Company Litigation: Trust and Stranger Owned.  We can represent purchases, owners, and various beneficiary classes – and because of our decades of experience in life insurance litigation, trust and probate litigation, and life insurance regulation, we can get you what you deserve to fight for your rights.

Irrevocable Life Insurance Trust (ILIT) litigation is based on a life insurance trust.

Life Insurance trusts are used frequently for holding high value life insurance policies for the benefit of estate planning, mixed beneficiaries, and (sometimes) for beneficiaries who may legally transfer those rights.

Because life insurance trusts are, of course, trusts, you need an attorney is experienced in the administration and litigation of trusts.  This is a highly state specific source of litigation knowledge and background – and we are qualified and well experienced in using the rights and obligations of the trust law to provide for justice in your specific circumstances.

Stranger Owned Life Insurance litigation is a speciality defense that has been created by the life insurance companies as a defense to payment on transferred beneficial rights.

Every life insurance company is pleased, if not excited, to write a new life insurance policy of  $5,000,000 or more, which are often involved in transferred beneficial rights.  But these life insurance companies are much less happy to pay an ILIT the policy benefits when the beneficiaries are not the original beneficiaries, when there is a beneficiary dispute, or if there are other issues which create suspicion by the life insurance company.  Remember, the operating strategy of the life insurance company is sell, sell, sell not pay, pay, pay.

If you have a life insurance policy, or a life insurance policy is involved in trust or probate litigation, we are fully able to assertively litigate any of those issues, to make the life insurance company pay, and for your to obtain your full and fair share.

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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3 Key Reasons Why You Need An ERISA Expert

3 Key Reasons Why You Need An ERISA Expert

Does Your Employer or Insurance Company Suddenly Say ERISA to You? What does ERISA mean? 3 Key Reasons Why You Need an ERISA Expert!


1. ERISA is something you may start to hear when you have problems with your insurance payments. ERISA started as something to supposedly help workers and their families, but has become a very complicated, pro-insurance company set of laws.

Very few lawyers are knowledgeable about ERISA policies and plans.  These cases go straight to Federal Court, in the United States District Court.  Only 3-4% of lawyers practicing regularly go to Federal Court, and know the complicated, special rules that exist there.

If you are having a problem with insurance, life insurance or otherwise, and ERISA is involved, you need an attorney like us, who specialize in these insurance cases.  These are the reasons why you need an ERISA expert.

2. ERISA is an employment benefit insurance policy or plan.  That means, you get the life insurance or other insurance as part of the benefits from your employer.

3. ERISA started in the 1970’s as a law to protect workers.  These days, it has become so highly specialized and unique, that it is usually used against the unsuspecting and unprepared. 

If Your Insurance Claim Involves ERISA, You Need a Lawyer who is an Expert.

ERISA is incredibly specialized.  It relates to Federal common law, and Federal trust law, and then as to contracts for employment benefits.  The history of ERISA litigation is twists and turns, and of employees who are not getting their benefits paid.  Even the Court review is anything other than an ordinary person or ordinary lawyer would expect.  Special care must be done immediately, before an ERISA appeal, to prepare such a claim for review.

We urge you not to take on an insurance company and ERISA yourself, or with an ordinary lawyer.  ERISA is highly specialized, peculiar, and demanding.  You get one shot to get all the facts that help you into the insurance file–this isn’t like ordinary civil litigation.

Don’t risk it–get an ERISA Expert Life Insurance Lawyer on Your Side Now.

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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2 Ways Life Insurance Companies Count on You Giving Up Your Claim

2 Ways Life Insurance Companies Count on You Giving Up Your Claim

They count on you giving up your rights to the benefits.  They know fighting with a huge life insurance company isn’t easy for people.

1. That’s why one of their tactics is to bury you with paperwork – all the while pretending that they are on your side.

You might think that once they get some answers, that your just and prompt payment will follow – think again. More documentation will be sought, and more frustration will ensue. But this was their plan all along – although you didn’t know it. But we do – we’ve been on their side before, and know how they operate.

2. Most lawyers want to avoid these fights, too.  These are often Federal cases in United States District Courts, which have their own very complex rules and regulations, which must be followed to the letter. We don’t shy away from these fights – the insurers tricks won’t work on us.

People who have a right to life insurance benefits have suffered a serious loss of a loved one.  The death of a loved one is among the most stressful of life events  –  life insurance companies know all this, and count on you giving up, not finding the right lawyer, and just going away.   While they send you a letter expressing their condolences, at the same time they will conduct a “contestibility investigation” or consider paying the wrong beneficiary.

A life insurance company is in a real position of trust, when you need that policy paid.  We hope that many times they do the right thing.  But more and more, life insurance companies are dominated by financial engineering and an eye towards profits. Lets face it: few life insurance policies are ever called upon to actually pay the life insurance benefits.  Those benefits can be substantial, and avoiding the payment of a few benefits can lift a life insurance companies profits.

You need to be strong in a time like this.  You are already doing the right thing, to find an experienced attorney.  You question whether the life insurance company is being fair, and you have found us.  That is the most important part.

Without the right counsel on your side, experienced, knowledgeable, aggressive counsel such as our firm, the life insurance company has all the skills, power and leverage.

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 benefits, 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.