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How We Work Your Life Insurance Policy Details for You

How We Work Your Life Insurance Policy Details For You

What good is a lawyer? Here is how we work your life insurance policy details for you.  Here it is, Sunday night, and we are reviewing 1,200 pages on an insurance company file.  How this case works out determines if our clients have the security intended by the life insurance, and get their claim paid, or just more suffering.  The file is huge, with hundreds of details and insurance legalese.

Do you want to read all these pages yourself?  Do you know what is the most important fact to find, maybe the one that will win the case quickly? Do you understand rescission and interpleader? We have decades of experience in life insurance negotiations and litigation.

We do.  Even more, we love reading every page.  We love reading everything, and finding the most important new facts to win.  We have read every page and found the hidden treasures for more than twenty years.

When you hire a life insurance lawyer NOW.com, you get our expertise, our experience, our hard work ethic, working for you.  You don’t have to lift this weight – literally 1,200 pages isn’t light.  You don’t have to use your precious time, when you are worried and grieving, to try to find something important in this mess of documents.  We will do it, and do more, for you and your family.

We Are Expert Life Insurance Attorneys – And Have Worked For Life Insurers.

How often do you read legal documentation from insurance companies? Do you understand what you are reading?  Even more, do you know the importance of what each paragraph means, and how to use it to get the case won, the claim paid, now? 

We do.  We just found the key document and information on this client’s case.  Because of this new, important fact, stuck deep in the documents that we are reading this evening, our client’s claim is going to get paid, now.  Do you really want to go it alone, in this complicated, document intensive world, or do you want a life insurance lawyer NOW. Com lawyer working hard and smart, for you and your family?

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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Beneficiary Disputes: Life Insurance Company Paying The Wrong Person? Why You Need An Expert Now

Life Insurance Company Paying The Wrong Person? Why You Need An Expert Now

“We know this is a difficult time for you” the life insurance company writes. But then they write something to make things even worse: that you are “not” the beneficiary, or that someone else who should never be the beneficiary, is the person they are going to pay. What a shock! How can this be? What is going on?

These are called “Beneficiary Disputes”, and we are experts in resolving these matters.

Many times, our clients tell us that the life insurance company refuses to even tell them who is the “beneficiary” or anything else on the policy. This can even happen for a child on a parent’s policy, or a spouse on their own spouse’s policy. What is going on when a life insurance company is about to pay the wrong person?

The life insurance company doesn’t really want to decide who should get paid. The life insurance company wants to follow written instructions – the “Beneficiary Designation” or the paragraphs of the life insurance policy that have an order of payment. Sometimes, if a beneficiary is designated, but then themselves dies, the life insurance company may want to pay the beneficiary’s heirs – who may not be the same as other people more closely related to person with the life insurance who just died.

We have seen cases with multiple Beneficiary Designations, sometimes with portions to various people. It is a factual question, not opinion, whether the life insurance company actually received the various designations.

If the life insurance policy has disputes between possible beneficiaries, sometimes the life insurance company will sue everyone in an Interpleader action. This puts the life insurance policy benefits into the hands of a Judge, often a United States District Court Federal Court Judge. This is a regular lawsuit, but in Federal Court. Many lawyers are unfamiliar with Federal Court, which has its own rules. This can get complicated, very quickly.

If you have a Beneficiary Disputes issue with a life insurance company about to pay the wrong person, the wrong beneficiary, or giving you a hard time to get paid, we can help. 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.

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The Importance of Hiring a Real Life Insurance Lawyer

The Importance Of Hiring A Real Life Insurance Lawyer

We hear it over and over from our clients. They tried to find a lawyer who knew life insurance. They looked for a real law firm, not some middle-man tech referral company. They needed a Real Life Insurance Lawyer not afraid of Federal District Court, who was experienced in all the Federal Rules. They knew that a lawyer who did car accidents mainly would not be the best on a Rescission case, or Beneficiary dispute – but they almost did not find us.

Our clients will tell you, the best decision they made was to hire life insurance lawyer NOW.

We are real lawyers, highly experienced and knowledgeable about life insurance claims, rescission, and beneficiary disputes.

We are admitted to United States District Court – Federal Court, where many of these disputes will be heard. We know the Federal Courts, and the State Courts. We don’t spread ourselves out, practicing every kind of law – we focus on practices where we have more than twenty years of experience. We don’t assign you to a paralegal or a junior associate lawyer. You get to talk with a knowledgeable source about life insurance law, who will carefully review the facts of your situation. We are straight-talkers, we tell you the strengths and weaknesses of your situation with the applicable law.

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.

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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 Company Communications

Life Insurance Company Communications

The Importance of Life Insurance Company Communications

Are you getting Prompt, Honest & Complete Communications from your Life Insurance Company? You are entitled to such Life Insurance Company Communications.  The company (and all its representatives) must respond to your communications within “15 calendar days” with “a complete response based on the facts then known.”  Any question you ask, and any request you make must be responded to by the insurer within 15 calendar days.

You Must Make A Written Record Of All Your Life Insurance Company Communications

You must get in the habit of sending your insurer letters or emails, and create a written record of who said exactly what and when.  That doesn’t mean you should stop talking to your adjuster.  If you request copies of your current policy and policy history, including previous policies, policy upgrades, notices of changes, etc.  (something we highly recommend that you request in writing), your insurer must respond to your request within 15 calendar days.  [California Code of Regulations section 2695]

Your Insurer Must Tell You About All Deadlines That Apply To Your Claim.

Including the fact that there is a deadline for filing a lawsuit against them.  [Insurance Code 2071 and California Code of Regulations 2695.7]

Once that deadline passes, you lose the right to sue them, even if they have broken the law and cheated you.  That deadline is called a “statute of limitations” and its purpose is to provide finality and keep things moving forward.  There is one deadline for suing an insurance agent and a different one for suing an insurance company, but to find out exactly what yours is – you’ll need to consult with an attorney before the one-year anniversary of your loss.  Why? Because in the state of California it’s tricky.  There’s something called “tolling”.  Your deadline is “tolled” (postponed) as long as your claim is still being processed but once they deny it – the clock starts again.  An insurer cannot mislead you about this but it’s a common source of confusion.  [California Insurance Code section 790.03]

Unless specified in your policy, you do not have to use the exact forms provided by your insurer to do your contents list.  A neat (hopefully, typed) list with replacement prices should work – and an insurer cannot ask for unreasonable “proofs of loss” such as secondary proofs.  For example, if you provide photographs or video of items in your home, you cannot then be compelled to provide receipts as well if they contain essentially the same information.  [California  Insurance Code section 790.03]

You have a right to receive a copy of every claim-related document in your file.  

An insurer shall “notify every claimant that they may obtain, upon request, copies of claim-related documents…” including construction estimates, photographs and the documentation backing up their estimates and “all other valuation”.  This shows how your contents and construction estimates may have been depreciated.  [See “Requirements in case loss occurs” in California Insurance Code section  2071.]  The only thing you are not entitled to receive is attorney-client privileged communications and their attorney work. This means that valuations, photographs, measurements, adjustor notes and reports, contents depreciation schedules, construction depreciation schedules, materials estimates, etc. are all part of your claims process, and you are entitled to receive complete copies of these so you can review them.

Keep in mind, the insurer has a responsibility to gather as much information as needed to fulfill their end of the claims process and you have a responsibility to cooperate in their investigation.  You do not have a responsibility to cooperate with unreasonable requests for information or harassing tactics.   However, you are obligated to answer claim-related questions about your loss.  Instead of doing a telephone interview, you may ask for written questions from the insurer’s investigator to be sent to you and to answer them in writing.

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, claiming Application Misrepresentation, 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.

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AIG Life Insurance, AIG Direct Life Insurance

AIG Life Insurance, AIG Direct Life Insurance

AIG Life Insurance, also known as AIG Direct Life Insurance, claims to have over over 6 million policy holders. 

AIG Direct Life Insurance Company says:

“We are one of the industry’s fastest growing and most innovative companies. Combining advanced technologies with dedicated professionals, we empower millions of Americans each year to better secure their loved ones’ financial futures….Through years of market research and insurance industry experience, founders Ron Harris and Laura Huffman understood that people want low pressure, knowledgeable professionals who empower them to make smart decisions about what kind and how much insurance they need….We expanded our platform to the Internet to broaden its reach and began to offer online tools and service.”

AIG sells a return of premium policy, that is not offered by every company.  AIG is one of the few companies that describes a medical examination as part of the process.  At a medical exam, AIG Direct life insurance company says that an applicant should be prepared to “provide the medical history, height, weight, blood pressure and pulse, and a small amount of blood and urine.”

AIG Direct, as part of AIG, also has some of the attitude of AIG.  That includes a long history and reputation for claims handling abuses.
Part of the reason for that reputation is AIG’s reliance on underwriting results. Nearly every other insurance company relies on the income it makes from investing its policyholders’ premiums – however, AIG has always focused on turning a profit on underwriting – in other words, taking in more money in premiums than it pays out in claims.

To do that, the company has had to be extremely parsimonious about the claims it pays. Former AIG claims supervisors have alleged in litigation that the company used all manner of tricks to deny or delay claims, including locking checks in a safe until claimants complained, delaying payment of attorney fees until they were a year old, disposing of important correspondence during routine “pizza parties,” and routinely fighting claimants for years in court over mundane claims.  (AAJ Report).

Here is a matter where AIG was named along with other insurers wherein:

“AIG must restore the full value of impacted accounts, paying an estimated $25 million to $30 million on some 10,000 policies that are past due in California. 

AIG further agreed to reform its business practices to ensure life insurance, annuity, and retained asset account benefits are promptly paid going forward. AIG will now regularly check the Social Security Administration’s Death Index Master File to determine whether any of its life insurance policyholders, owners of annuities, and holders of retained asset accounts are, in fact,  deceased.

If AIG finds that a policyholder has died, it will attempt a search for beneficiaries. If beneficiaries cannot be located, AIG will then remit the policy proceeds to a government custodian, where they are held available to be reclaimed in the future.”

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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Life Insurance Lawyer Las Vegas

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

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

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

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

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

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

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

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

We have done this a lot. We take the time to know you and your case. We start working for you NOW. We communicate with you, respond to your calls, are available to you. We focus on how to win your case. If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.com. Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer. We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.

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Life Insurance Lawyer San Diego . Oceanside . Escondido

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

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

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

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

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

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

We have done this a lot. We take the time to know you and your case. We start working for you NOW. We communicate with you, respond to your calls, are available to you. We focus on how to win your case. If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.com. Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer. We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.San Diego Life Insurance Lawyer

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

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

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

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

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

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

We have done this a lot. We take the time to know you and your case. We start working for you NOW. We communicate with you, respond to your calls, are available to you. We focus on how to win your case. If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact LifeInsuranceLawyerNOW.com or LifeInsuranceJustice.com. Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer. We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.