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Large Life Insurance Policy Specialist

Large Life Insurance Policy SpecialistWe have handled many large policies.  These policies, situations and life insurance companies require the highest level of expertise.  If your policy is more than $1,000,000 and especially if over $5,000,000 many of the typical events do not apply.  The way the life insurance companies handle these policies and claims can be very different than others would expect.  We have been on “both sides of the table” so to speak, so we are the right choice for these large policy situations.

We have handled custom “manuscript” policies where the insured confers with the life insurance company about additional policy terms on the policy.  We have handled “Lloyd’s” policies, which are actually specific policies written by specialists and backed by syndicates of capital, considered the very beginning of the insurance marketplace.

We have provided legal counsel, sometimes in tandem with our client’s family office counsel, on life insurance issues for top tier financially successful clients.  Those policies have particular structures and expectations, as part of an overall financial plan.  Confidentiality, certainty, and confidence are crucial in providing services that obtain the right financial results.

While many of our clients are comforted by our willingness to accept cases on a contingency, providing no risk to the client in an already disputed circumstance with the life insurance, for large policies and if preferred by the client, we have other fee arrangements.  These alternative fee arrangements include just hourly work with a retainer agreement, a blend of hourly and contingency, and pure contingency, depending on the circumstances, the phase of the situation, and always what the client prefers.  People, families and businesses that participate in the larger life insurance policy business world require the highest professional standards as well as creative solutions to protect their reasonable expectations; and we deliver.

There are a limited number of life insurance companies that regularly write life policies that have $5,000,000 to $20,000,000 in coverage.  These life insurance companies, including MetLife, New York Life, Transamerica, The Hartford and others, have special teams that consider any claims on these large policies, and any premium payment issues, as well.  We have worked with, and litigated with these companies, and others, and are ready to bring our full wealth of specialized experience in this particular area–large life insurance policies and claims–to help you, your family, and your business interests, receive the protection and benefits that were promised.

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.

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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 San Jose

San Jose is the center in many important ways of Silicon Valley and the dynamic industries of the Bay area.  This area is the third largest in terms of population, and in the center of the Santa Clara Valley, on the southern shore of the bay.  San Jose is the tenth biggest population center in the US.  There is so much business, affluence, and innovation going on here that it is no surprise that there are people who need help on life insurance interpleader and when life insurance companies won’t pay.  Whether the life insurance policy is through work, or purchased on line or through a life insurance agent, these issues can happen.

Most of the large employers, financial and technology companies in the San Jose, California area offer some life insurance through the workplace.  Many well compensated employee also choose to buy additional benefits, for themselves and their families.  Even people who have some coverage through their jobs, may also use fintech or just a regular life insurance agent to buy more life insurance policy coverage.  It is a comforting thing to have even if you never expect to use it.  Likewise, a life insurance policy is in force and protecting you and your family after it is purchased.  But a wrinkle in the law gives life insurance companies a chance to rescind or undo your life insurance, if there is a claim in the first two years, and the company can successfully show there was some undisclosed reason that would have stopped it from selling the policy, had it known before the claim.  These types of cases, where a life insurance company won’t pay even after a person passes away, are the most devastating for families.  We believe strongly that life insurance companies should pay on the policies if the person has passed away, and we fight for your right to payment.

We have helped clients in San Jose and the Santa Clara Valley many times.  We have been very successful in helping clients get paid fast when it looked like the insurance company was going to deny the payment.  The life insurance company for one client started asking lots of questions, including asking for medical authorizations to be signed.  When we got involved, we quickly got the insurance company to pay the claim, of more than $250,000 without further delay.  The client even was paid interest from the time of the delay, from before we got involved.  Another time, an employer seemed to be changing paperwork up, to try to make it appear that the client’s mother did not work enough hours to be eligible for the higher level of insurance.  We got involved, made it clear to the employer and the life insurance company that any delay in payment would not be tolerated–and our client was paid the next week.  Whatever the facts that the employer or the insurance company may be throwing at you, we are here to push back, and make them live up to their promises–to you and your family.

In San Jose, many of the large employers help to manage the life insurance coverages, through ERISA.  This is supposed to be a benefit to you, to reduce costs, but ERISA raises many serious legal issues.  If your policy coverage is through work, we urge you to consult us first, because ERISA is very tricky, and doesn’t help people get paid like they should.  We have had clients in San Jose who needed us to get involved, to make the claim, because they could tell from the very start that the employer did not want to see the claim paid.  Sometimes the employer fears a financial hit if the claim is paid, sometimes they just don’t want to help, but we have seen that having a lawyer working on your side shows that you are serious and that you should be paid.

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

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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20 Questions And Answers About Interpleader With Legal Expert Joseph Fogel, Esq.

20 Questions And Answers About Interpleader With Legal Expert Joseph Fogel, Esq.

Q: Why is the life insurance company saying it may sue me, in an interpleader?  What is an interpleader? Here are 20 Questions and Answers about Interpleader with Legal Expert Joseph Fogel, Esq.

A: An interpleader is the life insurance company’s way of having a judge decide which beneficiary should be paid.  An interpleader is a lawsuit, against you and any other people who claim they should be paid. An interpleader must be defended in Court, even if you are sure you are the one who should be paid.  Like any lawsuit, if you ignore it, you may lose.  But an interpleader is a very special kind of lawsuit, that requires a specialist to litigate.

Q: I just received an interpleader lawsuit.  Why did the life insurance company sue me, instead of paying me the life insurance policy benefits?

A: The life insurance company uses the special law of interpleader to get a judge to decide who should be paid, so they don’t have to decide.  Interpleader is a special law and rule, that gives the life insurance an out from deciding who to pay.  Interpleader is a special and complicated law and rule, and is generally tried in Federal Court.

Also, the life insurance company does not want to run the risk of different beneficiaries making claims to the same policy benefits.  When there is a question about a beneficiary designation or who should get the life insurance benefits, the life insurance company does not want to decide.  The insurer is afraid that if they don’t pay one side, that person will sue them.  Instead of running a risk of lawsuits, the insurer turns around and sues the people who claim the life insurance benefits.

Q: The insurance was supposed to benefit me – how can other people claim that they’re the beneficiaries?

A: Some people who dispute beneficiary designations on life insurance may believe they are doing what is right and fair; other people may be doing it out of anger, meanness, or just to try to get a few dollars. The legal reality is that life insurance companies no longer want to make any decision in a disputed beneficiary situation.  The life insurance company is likely to send it out to their own lawyers–at your expense–for the filing of an interpleader complaint.

Q:   Do I have to do anything if I know I am right?

A: Yes –   it’s very important part to realize that you can lose an interpleader complaint, even if you are truly right, if you don’t get the right lawyer and answer the complaint.  An interpleader complaint is a special kind of lawsuit.  If you don’t answer a lawsuit,   you can lose, just like any other lawsuit.

Q: How long does an interpleader complaint take?

A: Like any lawsuit, the lawsuit has its own timing, depending on the court, the amount of discovery that may be needed, and the length of the trial.  We work hard to try to get cases won as soon as possible.  Sometimes, it can be won in as little as thirty days.  Sometimes, months are needed.  We keep you informed and up to date.

Q: Why does the life insurance company tell me to “work it out” with the other people who want the benefits?  Isn’t it the job of the life insurance company to pay the right person?

A: Yes,  the life insurance company should figure out how to “do the right thing” and get you paid.  But they don’t do anything when there is a dispute. They don’t want to pay one side and not the other, and risk getting sued after they pay the policy benefits.

Q: What happens to the life insurance benefits in an interpleader?

A: After the life insurance company files an interpleader complaint, the life insurance company lawyers usually ask the Court to hold all the benefits.  The life insurance benefits are paid by the company to the Court.  Then, once the Court interpleader lawsuit is done, the Court will pay how it has decided the money should be paid.

Q: If I win the interpleader, do I get all my benefits paid to me?

A: If there is a verdict or decision from an interpleader trial, the Court (after it gets the funds) will pay the money out however that verdict or decision requires.  But the life insurance company will ask for payment of its lawyer fees and costs from the interpleader money.

Q: If I lose the interpleader, or just don’t want to hire a lawyer, can I get the life insurance company to pay the benefits to me?

A: No.  The interpleader is the way that the life insurance gets a judge to decide who gets the benefits.  Once the judge decides, the money is appropriately distributed.  You can’t go against the life insurance after an interpleader complaint.  The interpleader law action decides, once and for all, who gets the life insurance benefits.

Q: Do I really need a lawyer for an interpleader?

A: Yes, if you are serious about winning your case.  Courts are far too complicated, with far too many special rules and requirements, to think that you can do it yourself.  This isn’t the time or place for people to try to learn a whole new world.  Judges have very little patience for people without lawyers.  People without lawyers look like people who have weak cases, since no lawyer wants to work with them.  If you are serious about winning your interpleader, and you believe you are right, you need to hire the right lawyer.

Q:  Can any lawyer nearby do the interpleader?

A: This isn’t the area for a general lawyer, or a divorce lawyer.  Life insurance interpleader is a very specific and very sophisticated.  We recommend that you hire us: we can start immediately, and we already know interpleader law.  Many of clients prefer to call and send PDF’s and pictures of documents, rather than fight traffic to meet at one of our local meeting offices.  We are always available to meet and will set an appointment near you, if that is best for you.  We understand these interpleader cases and we know how important this case is to you.

Q:  What do lawyers know about interpleader?

A: Interpleader lawsuits are generally brought in Federal Courts, which is a whole different league than the regular state courts that hear divorce cases, child custody, and other general types of lawsuits.  Remember, a lawsuit is your one chance to get the right legal decision on your case.  This is not a place to take your chances on a Lawyer who is not a proven expert.

Q: What is Federal Court like?

A:  Federal Court has its own special rules and is absolutely NOT a place for a beginning attorney.  Each judge adds to the rules with their own particular orders on the case.  Depending on the other cases with the Court, things can move very quickly.  There are deadlines that other Courts don’t have – and if you miss a deadline, your case can be lost just for that.  Federal Court is a very serious setting and only 10% of lawyers are even licensed to practice in Federal Court.  We practice in Federal Courts throughout the country, we know the rules, and are the kind of experienced Federal lawyers who can bring everything possible to help win your case.

Q: If I hire life insurance lawyer NOW.com to handle my interpleader law, am I going to be worse off?

A: Hiring the right lawyer is very important.  We are the right lawyers for your interpleader law.  You don’t want lawyers who are just learning on your case – you want people who know this area inside and out.

Q: If I hire life insurance lawyer NOW.com for the interpleader, will my case go to trial?

A: We win cases because we prepare well for trial, but many cases can be won on the pleadings or settled at acceptable levels, before trial.  Courts always encourage settlements, at some point in the life of a case.  We work hard to persuade the other side’s lawyers that they should stop what they are doing.  Many times, after some of the case is prepared, but before trial, we can use the process of mediation to find a settlement that is good for our client.

Q: How do I hire life insurance lawyer NOW.com for my interpleader?

A: We are available and ready to help.   Most of our clients ask for a contingency hiring agreement, where we have to win a recovery for them, or there is nothing due to us.  Our contingency fee rates are the most competitive in the country, and we provide the best services, and the most responsive and caring attorneys.  We answer your questions, keep you informed, and make sure that your strongest facts are put at the center of the case.   Call, email, text or chat with us, and we look forward to helping right away.  Sometimes, we can get claims paid within seven days, and our clients are always relieved to know that we are on their side.

Q:  Why won’t my life insurance company just pay like they promised?

A: Life insurance companies actually get very few requests for payments.  Most policies never result in a payment.  When a claim comes in on a life insurance policy, it can be a big claim.  The amount of life insurance benefits to be paid is usually a lot more than the premiums paid.  So the life insurance companies have plans to investigate and not pay, if they can get away with it. They like to use delaying tactics and tricks to waste time. We don’t fall for those tactics.

Q: Why are interpleaders held in Federal Court?  We are just a regular family.

A: Insurance companies like to bring interpleaders in Federal Court.  Federal Court is a scary place for most lawyers.  We are frequently in Federal Court, and we know the rules and procedures so Federal Court is a comfortable setting for us.  The Federal judges know the interpleader law well, and can quickly get the life insurance companies out of the lawsuit, which is really what the life insurance wants, anyway.

Q: Is there any way to avoid an interpleader?

A: Yes.  If you have us on your side, we can possibly avoid an interpleader. We will quickly review the facts on your life insurance claim.  We will determine if there is additional strong evidence that we can quickly obtain to help you get paid.  We can make strong legal arguments on the evidence in place, and the law.  We can attack the positions of others, who are trying to take the policy away from you.  We can do a lot to try to avoid the interpleader, and be in a strong place to win an interpleader.

Q: If I have been named in an interpleader, do I need a lawyer, since the judge will decide?

A: YES, you need a lawyer.  An interpleader is a lawsuit.  The judge does not gather the evidence –  the judge will decide on the evidence and laws controlling the evidence.  If you think you don’t have to do anything in a lawsuit, you are in for a big surprise.  The right kind of Answer must be filed, as well as  proper Discovery.  There are additional laws that apply to an interpleader, and it is very risky to not have an experienced lawyer on your team.

Q: Why does the life insurance company is listen to the other person, who says they are a beneficiary, but I know they are not really entitled to anything?

A: The life insurance company has a process for all of this.  Even if you believe very strongly that you, and not the other person, is the rightful beneficiary, the process will be followed.  That process includes many opportunities for people stretch the truth, argue questioned documents, or try to avoid certain important laws and regulations.  Sometimes, just believing that you should win the interpleader is a problem because you might slack off in the hard work needed to put all the evidence in place, and make all the right arguments.  We will work hard as your lawyers, even if you believe it is a clear case, and we will never stop pushing for the right result.

Q:Not only is the other person trying to be the beneficiary on the life insurance policy, but they are trying to take the estate, too.  Is this right?

A: These are two different questions, that often arise together.  More lawyers are familiar with estates and probate than are knowledgeable about life insurance policies.  We know life insurance policies, interpleader, and all life insurance disputes.  We know probate, too, and can help keep the two problems clear.  We work with probate and estate lawyers, we get cases referred to us where the first lawyer handles the probate and estate, and we handle life insurance claims and interpleaders.   We do what is needed for you to get these situations to the right result.

Q: Won’t the judge just see that the other side is wrong, so I automatically win the interpleader?

A: Judges, despite the name, really don’t get to decide a case unless it is tried to the judge.  Interpleader are decided by judges, but only at the end of a long process of preparation.  If your interpleader law case is not properly prepared, and tried, the judge is unlikely to rule in your favor.  The risk is that the other side finds a lawyer who manages to work the other side of the case up into something that could win, especially if you are not well represented by interpleader lawyers, and you have not helped to get all the strongest facts, out in front, to win your case.

Q: Why are you a better interpleader lawyer than others who say they know some of everything?

A: A real interpleader lawyer from life insurance lawyer NOW.com is going to be the best bet for your case.  You only get one case, one chance to win what is rightfully yours.  The life insurance benefits should be paid to you.  Few people have good experiences with their divorce lawyers – did those lawyers do everything possible to win the case?  Did they follow up regularly with you, so you knew what was going on in the process?  We, at life insurance lawyer NOW.com work hard to know interpleader law inside and out.  We work hard to keep you informed and up to date, so you feel respected.  Those factors, and more, make us the best place for interpleader law.

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Small Life Insurance Policies are Huge to a Grieving Family

Small Life Insurance Policies Are Huge To A Grieving Family

Small life insurance policies are huge to a grieving family after losing a loved one, and we are here to HELP you get your claim paid. A family is fortunate to have had a loved one who planned, saved and paid the monthly installments for a life insurance policy – people who do that care about their families, whether their life insurance policies are $15,000, or $1,500,000.

It isn’t just the amount at stake, it is that a father or mother, sister or brother or other, took the time to show the concern, and get the life insurance policy – to ensure that you, their loved one, would receive a financial payoff when they die.

Life Insurance Companies Frequently Sell Policies With Benefits Under $50,000.

These life insurance companies do an important part of their business with people who are encouraged to buy these “smaller” policies, even if it is all the people can afford.

While some other lawyers might tell you there is no way they can help on a $15,000 policy, you won’t ever hear that from us. We are here to help; you have suffered the loss of life, the policy must be paid – REGARDLESS of the amount.

In many ways, a “small” life insurance policy may mean much more to a family struggling with funeral expenses, medical expenses, and the loss of an earner, than some of the very large policies involved with estate planning.
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 – we know first hand that small life insurance policies are huge to a grieving family.
We have decades of experience negotiating with and litigating against Life Insurance Companies – and we have worked for them too – and know the tricks they will play to avoid payment of claims. 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.

The Life Insurance Company has Many “tricks” to Avoid Paying Your Claim.

Life Insurance “small” policies are not “small” in any meaning of the word!
We have handled many situations with life insurance companies that write life insurance policies that are $10,000, $15,000, $25,000, or $30,000 in benefits. These life insurance companies include Globe Life Insurance, New York Life Insurance, New York Life Insurance AARP Life Insurance, MetLife Insurance, Prudential Life Insurance, American National Life Insurance Company, National Life Group, Life Insurance Company of the Southwest, Royal Neighbors, Symetra Life Insurance Company, and many others.
If you have a problem getting your life insurance claim paid, or your policy has been rescinded or denied, has beneficiary disputes or other issues, 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 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.