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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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Why Was My Life Insurance Claim Denied?

Why Was My Life Insurance Claim Denied?

Has Your Life Insurance Company Denied Your Claim?

You can’t believe the news: Your loved one has suddenly died.  A few weeks later, you can’t believe the news, again: the life insurance company has denied your claim. The life insurance company refuses to pay even the small policy benefits – $25,000 – to you and the other beneficiaries.

Has The Life Insurance Company Used The Term “Recission” To Deny Your Claim?

What kind of a life insurance company would refuse to pay a small policy, knowing the insured person is gone?  The answer to a life insurance company claims denial, even a small but important policy, is based on the life insurance rescission law in California.

A Life Insurance Company can seek to rescind a policy in California based on policy application misstatements (false representation)  if the policy falls into the two-year contestability period when the person whose life was insured has died.

  • In California, a life insurance policy is generally considered “incontestible” two years after it is issued, or the application is filled out.  Incontestible or incontestibility is a law and legal doctrine intended to provide some added certainty that a life insurance policy will be paid.
  • Incontestibility requires that after two years, a life insurance company no longer has the right to refuse or deny a claim (or rescind a life insurance policy) based on a “misrepresentation” in the life insurance application.
  • Unfortunately, life insurance companies have turned the incontestibility law upside down, taking the law to give them a wide territory to rescind and deny life insurance claims on policies that have been in force less than two years.
  • In fact, the life insurance companies that sell these smaller policies use the incontestibility law in just this way. To save money – their money – these companies don’t do much or anything to investigate a life insurance application.
  • They are just interested in getting the business, and accepting the money for the premium.  If a person loses their life in the first two years of the policy, for a medical reason, only after a claim comes in, will the life insurance company perform its investigation.

Has The Life Insurance Company Used The Term “Misrepresentation” To Deny Your Claim?

After a claim comes in, the investigation is all about trying to find a “misrepresentation” on the application, so the life insurance company can rescind the life insurance policy, as if the policy had never existed.  The life insurance company will send back the comparatively small amount of premium paid, instead of paying what the insurance was intended to cover in the first place –peace of mind, if the worst happened.

A Life Insurance Company Is Required To Treat You In “Good Faith”

Here’s a great article on the rights on the insured. As you will see,

“You are legally entitled to be treated in “good faith” by your insurance company and its representatives at all times. This means your insurer must be considerate of your needs. It must communicate fully and honestly with you about the policy it sold you and about rights and duties relating to your claim.  In turn, you are legally obligated to be honest and to cooperate with reasonable requests for information relevant to your claim. Cal. Insurance Code sec. 790.03 is the main place to read these requirements. They’re also included in portions of Cal. Insurance Code sec. 2071.”

A Claims Denial Is No Reason To Consider Your Case Closed.

To us, it’s the start of a process that will get your claim paid. But the insurer wants to to see it as final, and to therefore give up your efforts. That way, they get to keep YOUR money – which was their goal in the first place.

If you have a problem getting your life insurance claim paid, or your policy has been rescinded, 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 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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Life Insurance Near Death Beneficiary Changes

Life Insurance Near Death Beneficiary Changes

Do You Have Questions About Life Insurance Near Death Beneficiary Changes? When there is a change to a Beneficiary Designation made within the last 30 days of someone’s life, there are always extra questions raised and detective work needed. Here are 3 Important Facts About Near Death Beneficiary Changes.  

If someone is seriously ill, and they know that they may not have long left to live, these changes may or may not be appropriate or enforceable.

Questions about the person’s mental and physical condition are important – this information will influence the outcome of the trial and decide WHO will be the true beneficiary!

  • Did the person felt safe and secure? Where were they living? Could they have been tricked or coerced into signing what is an important legal document?
  • How were they being treated? Was a caregiver or family member threatening or abusing them? When in a weakened state, people are much more vulnerable and can be easily victimized. Perhaps you have seen instances on the late night news of security cameras displaying crimes inflicted on the elderly.

While changes to a Will or Trust may have been performed by the deceased while being mentally sound, these are vitally important legal concerns that need to be investigated. People can be very crafty when large amounts of money are at stake – and family issues can influence a members actions to give themselves a “larger piece of the pie”. We have all heard stories of mysterious and previously unknown “relatives” appearing when an individual with assets is close to death.

We have seen many questions about “near death” beneficiary designations – and we are very experienced in using the tools of the Court, and other investigations to determine these facts. Sometimes, there are medical issues where we use specialized doctors and nurses to help uncover the truth.

  • Signatures are a crucial issue; as well as who “witnessed” this signature. Is the witness the same person as the new beneficiary? Forgery is of essential importance in matters of beneficiary disputes. According to LifeAnt.com, if there is any evidence that another party assisted in the addition of the beneficiary change, red flags will be raised.

We are very experienced at working with the leading handwriting experts nationwide to put together your strongest case possible, so that the truth of what really happened has a chance to be heard in Court.

Near Death Beneficiary Changes Often Include The Wrong Beneficiary

Once the insurance company pays the wrong beneficiary, the situation will generally turn into a more complicated legal battle.

Sometimes, our investigators will have to dig into evidence that others easily overlook, so we can present it to the life insurance company, and to the judge and jury, if necessary. While we work hard to obtain all the supporting evidence, we don’t burden our clients with long lists of chores or activities to do; we will help with everything. We really want to see the life insurance company pay the right beneficiary.

The life insurance company takes it as their mission to try to not pay on any policies, if there is any way they can find to avoid it, no matter the time it takes to investigate, even at the risk of getting sued. The life insurance company will investigate every bit of information in your application, looking for anything that you can’t prove, and use that to rescind the policy .

You really need an experienced life insurance lawyer to help make sure that the truth is found regarding Life Insurance Near Death Beneficiary Changes.

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, and 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 experienced lawyers, not a lawyer referral service or “middleman”, and we take pride in being here for you NOW.

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How We Make Companies Pay On Life Insurance “Small” Policies

How We Make Companies Pay On Life Insurance “Small” Policies

How We Make Companies Pay on Life Insurance “small” policies

We don’t like it when a life insurance company refuses to pay on a “small” life insurance policy.  A promise is a promise, and that life insurance company promised to pay in the tragic event of the loss of a loved one.  Your loved one cared enough to get the life insurance policy, to pay for the life insurance policy, and do whatever the life insurance company requested to keep the policy active.  Life insurance “small” policies are important policies – as $25,000 can mean a huge difference to a regular family.  The point, even more than the size of the policy, is that the life insurance company made a promise – and we will hold them to pay what they promised.

Life insurance companies will exaggerate or misstate information in a medical questionnaire to make it look like the insured made a misrepresentation. 

Almost always, when a life insurance company says one of our clients “misrepresented” a medical fact, or mistakenly answered something on a medical questionnaire, they are seeking to put the blame on YOU.  We are very experienced at reviewing medical records, to determine if a person even knew of a medical test or condition, that the life insurance company contends they withheld.

We litigate life insurance “small” policies with great energy and vigor.  The life insurance company will be held to comply with all of the regulations and laws, even if they are from outside of California.  Too often, life insurance companies seem run just by business people without any advice from lawyers who actually know the laws of each state.  We will get all the facts supporting payment on your policy, and show how the life insurance company does this wrongful conduct to many other beneficiaries.

Here’s an informative article on the “tricks” an insurer will do to avoid paying your claim.  Life Insurance “small” policies are not “small” in any meaning of the word!
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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Our Goal Is To Win Your Life Insurance Claim

Our Goal Is To Win Your Life Insurance Claim

Our goal is to win your life insurance claim. That’s why we love our job: our devotion to our life insurance clients. Did you know that too many lawyers are unhappy with being a lawyer, and that gets in the way of them doing their best for you, the client?

Like any type of work, if you love what you do, you do it better.  Don’t hire a lawyer who isn’t happy enough with their work; how are they ever going to do their best for you?

We get an incredible amount of professional and personal energy from being able to be your lawyer, to help you at this time of loss, by getting an insurance company to pay your claim.  We really are devoted to this type of work, to be able to help you at a difficult time.  The death of a loved one is very difficult, and the most painful occurrence in our lives.
Some people who come to us have needed a lot of time, even a year, or more, to get to the point to be able to talk about the loss and the life insurance issues.  We understand that, and it helps us to do our important work for you.  We know how important this is for you, how emotional it is, how much is wrapped up in this for you.
Don’t think for a second that the life insurance company is eager to help you – they are NOT your advocate.  Their lawyers are THEIR advocates.
We are here to help, really help.  We really know this area.  We have done this for more than 20 years, giving advice (before) to some of the top leaders in the insurance companies.  We know how they work, how they look at facts, what it takes to put your situation in the very best position to have the life insurance company do the right thing.  Nothing makes us happier, as lawyers, as advocates, to Win Your Life Insurance Claim, at this difficult time for you.  We never just go through paper, we are working for you, and your family, and are the most determined to win, for you.

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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IF ERISA Applies, You Need A Lawyer NOW

IF ERISA Applies, You Need A Lawyer NOW

Why is a lawyer needed if ERISA is involved? ERISA cases are very complicated – If ERISA Applies, You Need a Lawyer NOW – and below are 5 reasons why. The life insurer has experienced attorneys. Don’t fight them alone.

  1. With ERISA, it is especially important to do all the litigation, investigation, location of key facts, to put those facts in front of the insurance company. 

2. When a lawyer litigates an ERISA case, the ability to put new facts and evidence before the Federal Judge is extremely limited.  If you are already through an appeal – which was not reversed –  getting us involved right now is very important. 

3. The trial of an ERISA life insurance claim or other employee benefit claim in a Federal Court is very limited. 

4. It is crucial that the available facts be put before the life insurance company first, not just in Court.

5. Keep in mind, the life insurance company adjusts thousands of ERISA life insurance claims a year.

Insurance companies have been doing this for years,  and they have dozens of lawyers working for them, with their goal being avoiding making any and all payments. 

The biggest mistake a client can make is trying to be their own attorney or hiring an inexperienced one in an ERISA case. After suffering the loss of a loved one, these complicated legal matters are best in the hands and minds of experts. Trying to go head to head against a billion dollar life insurance company, especially in the complicated sub-area of ERISA Federal litigation, while learning about it for the first time is not likely to be successful.  You owe it to yourself and your family to hire an experienced ERISA lawyer, who can give you every advantage to actually getting your life insurance claim paid.

People can have a lot of bad feelings and beliefs about lawyers, and we understand.  We work very hard to be different from other lawyers.  We are highly knowledgeable and experienced, but we aren’t here to be pompous or lecture you.  We are here to work for you, to be sure that you understand the big points of the claims process and legal contest that are going on, all the while respecting your dignity.  We are direct and candid with our clients, and we try hard to explain the process in a way that makes sense.

We are extremely diligent and creative in the preparation of your case.  This is where the foundation for winning and for getting your claim paid is made.  We get medical information and documents, and use experts to assist on medical issues as needed.  We are careful about finding additional documents and evidence to prove what we need to prove to win.  We are creative about how to show the winning arguments in a way that is more persuasive than others will do.

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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Why You Need Your Own Expert Life Insurance Lawyer

Why You Need Your Own Expert Life Insurance Lawyer

The life insurance company already has one – and most likely, a very experienced one – and that’s just one reason why you need your own expert life insurance lawyer.

Every significant life insurance claim that the life insurance company seeks to deny is run through the lawyer’s office, looking for ways to strengthen their denial and therefore not paying you. It’s going to take an expert to defeat them – and that’s where we come in.

That doesn’t mean the Insurers denial is legal or permissible – the life insurance company is just making their own defense stronger. 

You really need to have an experienced life insurance lawyer, who knows the California law and regulations, to go fight for your benefits.  If your life insurance claim is already denied, or on the road to denial, you really need us.  Because we are a California life insurance lawyer, and ready to start NOW, we are here for you. The Life Insurance Companies have numerous tactics to deny your policy benefits.

WE have been on the other side – that of the Life Insurance Company – and we know how they work.

While the calls and information that you get from the life insurance company may not make sense, to their life insurance lawyer, it is all part of the game plan.  The company is on the “road to denial” of your life insurance claim,  pure and simple.  It is easy for a life insurance company to pay a claim – they just do it.

Have you received a Cancellation notice from the insurance company? For a life insurance policy in California, the life insurance company has to send a “Notice of Cancellation for Non-payment” to the insured–and anyone else designated for notice on the policy.

Denials take more time and more of the life insurance company attorney game plan.  We are qualified to undo your life insurance claim denial,  and to get your claim back into the payment side of the life insurance company.  Our hard work will show the facts that support payment, and to dispute the wrongful allegations of the life insurance company, are best started NOW, before any more time goes by. That’s why you need your own expert life insurance lawyer.

Why it is Better for You to Consult Us Earlier, not Later

Life insurance companies like to follow their processes to deny a claim.  They company position is that once the process has been followed, and they have denied your life insurance claim, then something has to happen to change their mind.  Like a person who is set in their opinion,  much more persuasion must be made to get a life insurance company to undo a life insurance claim denial.  We are life insurance lawyers who really know how to get the life insurance company to pay before the denial, and we can do it after the denial, too, but that is always a bigger challenge – to change the made up mind.

We know the life insurance company plan for denial of your claim –  an endless stream of requests for additional documents, various papers to be signed, all designed to waste your time and frustrate you – all while they seem to be caring, understanding, genuine, and nice.    We know the life insurance company claim denial plan, and we know how to get them into the claim payment position.  This is specialized work; you need a real California life insurance lawyer NOW to help on your claim, to take the worry off of you, and to get the payment you deserve.

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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Has The Life Insurance Company Paid The Wrong Beneficiary?

Has The Life Insurance Company Paid the Wrong Beneficiary?

Is there is another person – the wrong beneficiary – claiming to be the proper beneficiary of your life insurance benefits? If the life insurance company doesn’t hear from you, and better, from your lawyer, and goes ahead and pays the wrong person, that makes it much much harder to obtain those funds.

Even if there are clear facts showing that you should have been paid, and not the person who the life insurance company actually paid, once the money is paid out by the life insurance company, it is very very hard to get that money back. The life insurance company won’t always stop paying the wrong person just if they hear from you.
You need an experienced lawyer on your side to really be sure that the life insurance company won’t do the wrong thing, and pay the wrong person.
It is terrible for us to hear from you, our client, that the life insurance company has already paid some shady person who created or coerced a change of beneficiary designation form. Life insurance companies run off of written forms and paperwork. Even if you know that someone has done something wrong, the life insurance company is likely to just follow the paperwork.
We Will Make Sure That The Life Insurance Company Pays You – The Right Beneficiary.
Once the money is paid, we won’t say that it is too late, but that situation is much harder to actually recover. The goal of the insurer is to avoid any payment of the life insurance benefits. But once there is no defense to avoid payment, the life insurance company isn’t really interested in exactly who gets the money. The first step for you is to get a free consultation from us, so you can understand the life insurance claim process and get protection.

We Are Expert Attorneys And Have Worked For Life Insurance Companies.
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.
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.