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Guardian Life Insurance Company

Guardian Life Insurance Company

Guardian Life Insurance Company is a life insurance company with agents throughout California, and says it can help people plan for protecting your family and your finances.

Guardian Life Insurance also says:

“When you think about the joy your loved ones bring to you, you naturally think about what you can do for them in return, not only now, but in the future. By ensuring that they’ll be provided for in the event of unexpected circumstances, you’re taking care of them no matter what. Somehow, knowing that they’re covered helps you enjoy your own life more….Guardian Life Insurance Company says that your family’s future is shaped by things you do now.”

Guardian Life sells whole, term, and universal life policies.  In Universal Life,

“Universal life is a type of permanent insurance that offers high flexibility. The product allows you to accumulate cash value tax-deferred, with an interest rate typically tied to Guardian’s General Account, which is made up of the company’s investments, or other separate accounts. In addition, you have the freedom to vary the amounts and timing of payments. Explore this flexible form of permanent life insurance.“

Guardian Life Insurance Company says it is a 150 year old company that has:

“a strong set of values while keeping our clients’ needs primary in everything we do. As a mutual insurance company, we are owned by our policyholders who share in Guardian’s actual financial results through annual dividends. These payments are determined by the firm’s profits, and Guardian has paid a dividend every year since 1868. We take the very long view, invest soundly, and maintain a strong capital base that enables us to meet our insurance commitments today and far into the future. Our sole responsibility is to our clients and policyholders, and that is reflected in everything we do.. . .We do the right thing….Award winning customer service.”

Sounds good, but if you are on our site, you may already be having a problem with Guardian Life Insurance. In fact, even their Wikipedia page features shocking facts which they have committed:

“In 2009, Guardian was the subject of controversy when, in December 2008, it cancelled the insurance plan that covered Ian Pearl, who suffers from muscular dystrophy and requires 24-hour nursing care, which costs approximately a million dollars a year. Under the federal ERISA law Guardian was obligated to continue the coverage for one year after it cancelled the plan and thus policy under the plan. Guardian offered no comparable plan to replace it, and his parents characterized the cancellation as a “death sentence.”

His parents sued Guardian and lost the case in October 2009, when a federal judge found that Guardian had the right to terminate the entire plan. The Pearl family appealed to the Secretary of Health and Human Services and to the media, and publicized a memo that emerged during the trial, which characterized high cost policies like the one Pearl had, as “dogs” and “trainwrecks.” Guardian publicly and personally apologized to the Pearls and agreed to continue coverage for Ian and two other patients in similar situations.  Ian Pearl lives in New York State, and as a result of the controversy, New York passed “Ian’s Law” that among other things, requires that insurance companies that cancel insurance plans must offer similar replacement coverage to policy holders under the cancelled plan”.

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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New York Life Insurance Company

New York Life Insurance Company

New York Life Insurance Company is a leading life insurance company that has written many policies in California, and has also has written some of the larger policies on some key personnel in Silicon Valley and Hollywood.

New York Life Insurance Company says:

“Being prepared with life insurance is smart and easy…. Learning about the benefits and protections life insurance offers is easy. And it’s the smart thing to do. Life insurance can protect the ones you love and be the foundation of your financial plan. New York Life offers both term and whole life insurance at a price that works within your budget. You’ll have the peace of mind knowing that you’re backed by one of the strongest, most financially secure companies in the industry”.

New York Life is a mutual company, a more traditional form of an organization, and markets that a mutual company has more concern for its insureds.

New York Life says: “Our entire company is focused on one thing: doing right by you. And that’s not just talk. Because we’re owned by our clients, not Wall Street.”  New York Life Insurance Company is a mutual insurance company, which means it is not publicly traded and has no shareholders. Instead, its policy owners are the ones who share in ownership rights of the company.

The company’s priority is to safeguard their interests.

With a mutual company, clients who purchase participating products are entitled to vote in the board of directors elections and are eligible to share in annual dividends that are declared.  Policies issued by our subsidiary companies are not participating and do not share in these rights. That may be so, but if New York Life Insurance Company believes it can rescind a policy rather than pay a death claim, it will do so, and will certainly say that it must, to protect the interests of the mutual owners.  Your situation is what matters to us, and an early and thorough preparation of the facts is what will make the difference.

New York Life does a strong job of marketing the peace of mind aspects of life insurance.  It regularly asserts that you, the customer, should “…  Trust us with the most important assets. Like your family, finances, and future.”  That is a big weight if taken seriously.

In Smith Vs. New York Life Insurance Co., The jury,  “found that New York Life had acted in bad faith in refusing to pay John Smith the amount of the policy. On the basis of its findings, Smith was awarded $75,000.00, representing the face amount of the policy, along with a $500.00 penalty and $15,000.00 in attorney’s fees.”

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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Has Your Life Insurance Claim Been Denied or Delayed?

HAS YOUR LIFE INSURANCE CLAIM BEEN DENIED OR DELAYED?

Insurance companies count on you giving up.  That is a big way they make money – by not paying claims. And, it’s no accident – it’s all part of their plan – to act as they care, and that they understand, and that “they’re on your side”. But then, they nicely start to ask for documentation, and before you know it, you’re buried in paperwork. 

Sadly, they count on you being too stressed by the loss of your loved one, and too intimidated by the big company letter saying that they don’t owe you, and that they’re sorry for your loss.

Too many people give up at that point.

We urge you to contact us.  We can help.  There is no charge to contact us.  There is nothing due unless we can recover for you.  We want to help, we have all the tools to get justice 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.

If Your Life Insurance Claim Has Been Denied, We Can Help.

We Can Help! In times like this, it is beneficial to work with a top-rated life insurance attorney. If you are not sure if you can appeal your claim or if you can speed up your delayed life insurance claim, we offer a free case evaluation to see how we can help you. At our firm we handle the following denied life insurance claims:

Denial for failure to pay premiums, late payment, insufficient payment, cancellation, lapse

  • Denial for failure to reinstate
  • Denial for an investigation that never ends
  • Denial for failure to provide complete information on application
  • Denial for failure to provide accurate information on application
  • Denial for misrepresentation on the life insurance application
  • Denial based on exclusion in the policy
  • Denial based on death not caused by an accident
  • Denial based on suicide of the insured
  • Denial based on self-inflicted injury
  • Denial based on alcohol use
  • Denial based on drug use
  • Denial based on prescription drug use
  • Denial based on unlicensed driver of car or boat, or boating negligence
  • Denial based on unfenced swimming pool
  • Denial based on the presumption of death due to disappearance
  • Denial based on death in a foreign country
  • Denial based on administrator at employer’s mistake
  • Denial based on termination of employment

In life insurance claims and cases, the specific facts about your situation are the most important.  We work really hard for you, from the very start, to listen to you, to understand the situation, and to find every fact that helps your claim and life insurance lawsuit.  We are the experts at getting evidence in the right way, too, so it can be admitted into evidence in a life insurance trial.  We have more than thirty years’ experience; we can usually have a good idea of where a situation will go, if we can get the full information from the start.  We won’t keep you in court if we know the life insurance company will find a problem in the coverage–we know the right timing of doing our best for you.

Denied claims are a BIG challenge, but we are up to it.  In a denied life insurance claim, the life insurance company has already run its investigation, talked to you, and obtained documents.  They have done all this to try to not pay the claim.  Once the life insurance company officially denies the claim, it means that a team of people at the company has approved that denial.  The team always includes a lawyer for the life insurance company.

We can help with a denied life insurance claim, but getting us fighting for you before the denial is better.  We need to be sure that the investigation is full and complete, and that the life insurance company gives as much concern to paying the policy as to not paying it.  A life insurance company is acting illegally when it investigates a claim solely to avoid payment, or where it ignores all the facts supporting payment.

Many of our clients are exhausted by the delay in the life insurance investigation, and call us to get their policies paid.  If you have a sense that the life insurance company is not trying to pay, but is just looking for a reason to not pay, or if you have already received a denial letter, your best next step is to contact us for a full evaluation.

Many of our clients call us for help after they have fully cooperated and the insurance claim remained unreasonably delayed.   When you feel that the claim is just in an endless investigation, you need to call an experienced life insurance attorney.   As your life insurance lawyer, we will investigate the delay for you and give you top-notch legal advice.

We have lots of experience correcting ongoing life insurance investigations that involve:

Endless investigations.  Do you feel that the life insurance company is just asking one question after another, and that the investigation never seems to end?  These endless investigations show that the life insurance company has already quietly decided to not pay, and is looking for an excuse, or to wear you down.   The life insurance company has the duty to properly investigate the claim and keep you informed of the status of your life insurance claim investigation.  That means information about what is being investigated, and what you can do to help.  If you ask a claims adjuster for a status update only to hear, “The investigation is ongoing” without any details, the claim is being wrongfully delayed.   If there are no specific reasons for an unusually lengthy review, you owe it to yourself to consult with a life insurance attorney, now.

Coverage questions:   Sometimes the life insurance company is looking for just a specific fact, to use to exclude coverage.  These are trickier claims, because they involve the application of facts to the full terms of the life insurance policy.  With our 30 years of life insurance litigation experience, this is something that we can do very well for you.  Mistaken coverage issues usually result in denials of coverage.  That means claims denial.  The many California laws and reported cases are very complex and offer many grounds for us to argue for coverage, on your claim.  This is not territory to go into without the most experienced life insurance lawyers.

Examination Under Oath (EUO).  The EUO is a formal proceeding taken under oath in front of a court reporter, similar to a deposition, but with possibly fewer legal rights.   An EUO can be a very intimidating situation–don’t believe a life insurance company that says you don’t “need
a lawyer for it.  An EUO is conducted when the insurer requires additional detailed information from the policyholder in order to make a coverage or claims decision.   You may not even understand the reasons for the detailed questions–that is another way the life insurance company has the upper hand.  For the wrong life insurance company, an EUO’s can also be used in wrongful claim delay, as an excuse to delay and eventually deny a claim.   If you have been asked to attend an EUO, you need to get a life insurance attorney on your side, starting with a for a free consultation.

Referral to the Special Investigations Unit (SIU).  SIU referrals are an investigation on an intense level, by people who are often ex-police, looking for insurance fraud.  If your claim is in SIU, you better lawyer-up.  SIU investigations can be very intimidating, which is a way of getting people to give up.  But the same rules of investigation apply–a life insurance company has to look for evidence to pay the policy, too, not just deny.

Especially if you have a national or ethnic heritage that is “suspect” by many life insurance companies, which may automatically put you under special investigation, it is unlikely that you will get your policy paid without legal services.

Has Your Life Insurance Claim Been Delayed?

Responsible people are sold life insurance for peace of mind, knowing if tragedy strikes, the family will be protected.  But when an insurance company denies or delays a legitimate claim, the beneficiaries may be left both grieving and in financial grief.  We know that this is not a time to add to your worries.   We work on a contingency fee, so you don’t have to pay us to get started.  We advance costs, whether for investigators, documents, or medical reviews, so you will never feel financially pressed because of us.  Delayed life insurance claims cause worry and false expectations, that maybe if you do one additional thing, the life insurance company will just do the right thing and pay.  We find that once a life insurance starts looking for a reason to not pay, it doesn’t stop until either you give up, or we are your attorneys, and we make sure the life insurance follows the laws and regulations.  Life insurance companies love to pretend that you don’t need a lawyer, even though every move they make is carefully prepared by their lawyers.  When your life insurance claim is delayed, that is the introduction to having your claim denied.  You need to change what is going on, by hiring experienced and hard-working life insurance attorneys.

Delay tactics are never to your benefit.  We know that the life insurance company is testing you and looking for ways to avoid payment.  Many people, already grieving from the loss of a loved one, have no strength of their own to get even one more document for the life insurance company.  Don’t you know, that the life insurance company knows that.  The people who can’t manage to get that additional document, give up, and the life insurance company doesn’t have to pay.

We have been on the company side.  It is very easy to pay a life insurance claim.  Just check that the policy was paid to the date of death, and that the insured person has passed away.  Two easy facts.  Everything else that a life insurance company does, and we mean everything else, is done for their own interest, which is to not pay you.  People who think the life insurance company cares about them, because the person on the phone sounds nice, can’t imagine the complex lawyer driven machinery working behind the scenes, to try to not pay claims.

We see life insurance companies conduct the longest, most unreasonable investigations, that you could possibly imagine.  Months of investigation–we think just to wear you down.  Maybe to intimidate you away from pursuing the claim.  Investigations that never get all the facts, either to pay the claim or to deny the claim, but which go on and on.  The legal requirement is that the investigation must be reasonable and timely.  The life insurance company must give as much concern for paying the policy as it does for its own concern of not paying.  If your life insurance company has not paid your claim in 60 days, or is asking for medical authorizations, or other material needed for its investigation, watch out–denial is coming.  Get us on your side, NOW.

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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Get A Expert Lawyer – Not A Referral Service

Get A Expert Lawyer – Not A Referral Service

You would think a person who has suffered the loss of a loved one, then has a life insurance company that won’t pay the claim, already has enough on their hands.  When you are looking for a life insurance lawyer, you need a real lawyer, who is experienced in this specialized field.  That is us.

But you have to watch out for lawyer referral services, and other websites that appear to be for a particular law firm but are not lawyers.  All you will talk to is a clerk or paralegal, who is really just handling marketing, and is not a real lawyer. Many of these websites are actually just referral sites, not even from a real lawyer, but just a “middleman” to get you to talk to them – and then they attempt to “farm” your case out, and hopefully get a percentage of any settlement or verdict on your behalf.

At Life Insurance Lawyer NOW. com you will always talk to a real lawyer, one of the best in fact.  We never make you work through clerks and paralegals, just to actually get to an actual lawyer.  We have integrity and we are here to help, not market you off yet again to another law firm.  We do our best to be direct, and talk with your respectfully, to get the key information, and know if we can help.  We know and understand what you are going through, and we are here to help.

You don’t have time to play around going through clerks, paralegals, and marketing people when you have a problem with a life insurance company.  You need to get a real life insurance lawyer on your side, right away.  We will help, NOW, and get your claim paid.  If we know we can’t help, or the law is just against you, we respect you enough to tell you that as soon as we know.  We aren’t a marketing service or a referral service.  We are top-notch, experienced, leading aggressive lawyers, here to help you NOW.

If you have a problem getting your life insurance claim paid, or your policy has been cancelled or has other issues on it, you need to contact Life Insurance Lawyer NOW.com or life insurance justice.com NOW.  Use the form on our site, or email us, or call (888) 997-4070 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 Your Life Insurance Company Sent You A Check?

Has Your Life Insurance Company Sent You A Check?

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

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

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

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

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

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

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

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

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Is The Life Insurance Company Demanding Medical Records?

We often get calls from nice people just like you, who wonder why the life insurance company has asked for a “medical authorization” or “medical records” form to be completed after the insured family member has passed away. Why Is The Life Insurance Company Demanding Medical Records?

The Life Insurance Company Medical Records Demand is about getting everything, and anything from the insured’s health care history, that the life insurance company can use against you to not pay the life insurance beneficiary claim.

The Goal Of The Life Insurance Company Is To Rescind The Insurance Policy.

A rescission will cancel the life insurance policy – as if the life insurance contract never existed at all. A rescission is a very serious matter as the life insurance company won’t pay the policy and will just refund the premiums paid.  That is not the deal that your loved one made.

When there is suspicion that the answers on the insurance application regarding the medical history of the insured party who passed away are not true, or if information was not disclosed about a health condition or medical condition treatment for the insured party, life insurance companies will demand medical records from health insurers going back many years, with their goal being the discovery of any of information to use against paying you the insurance benefits.

A Clear Sign The Life Insurance Company Wants To Rescind The Life Insurance Policy Is To Demand Medical Records.

A Life Insurance Company can seek to rescind a life insurance contract in California based on misstatements (false representation) in the policy application (by giving notice and refunding all premium payments), as long as the policy is in the two-year contestability period when the person whose life was insured has died.

  • If the life insurance company is asking for medical records, they are ready to go down the denial/rescission pathway and not pay you the life insurance benefits.
  • We have seen medical investigations that are far more broad than the application, and improper under any fair sense of the term.
  • Besides the fact that the life insurance company could have done all this before they issued the policy, the life insurance company does not need the authorization to pay the policy beneficiaries.
  • They are looking for whatever they can find to justify in some way their decision to not pay the life insurance policy benefits claim.

Has The Life Insurance Company Asked You For The Names Of Health Care Providers Of Your Loved One?

Often, a life insurance company insists that a person sign authorizations for medical records, even though they do not have the legal right to do so. We have seen life insurance companies demand that a person open an expensive probate case, to just get authorizations so the life insurance company can try to not pay.

Often, the medical records have medical issues that require expert review.  We work with experts and get the medical information necessary to win the claim, and get your beneficiary claim paid NOW, rather than letting the life insurance company misunderstand or misread medical reports.  We have seen all this happen.

  1. Claim form from AIG Insurance.
  2. Claim form from New York Life.

As you can see, both these forms seek health care coverage information from the insurance claimant. These are two examples of a Life Insurance Company Demanding Medical Records.

The Life Insurance Company Doesn’t Want You To Hire An Experienced Attorney.

Life insurance companies are fully represented by lawyers, and you dealing with the life insurance company without a lawyer is the way they prefer it.  Once you have an experienced lawyer on your side who is willing and able to file a lawsuit on your behalf, the life insurance company will take your claim seriously, and know they won’t get away not paying when they really should. They don’t try to push us around like they can with beneficiaries without attorneys.

“The life insurance company claims adjuster sounded so nice and understanding over the telephone.”  That’s all part of their plan – to trick you into trusting them.

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, 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 for a free consultation to speak directly to an experienced life insurance lawyer.   We are the best life insurance lawyers you can find, and we are real lawyers, not a lawyer referral service or “middleman”, we are here for you NOW.

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Life Insurance Lawyer Las Vegas

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

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

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

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

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

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

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

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

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

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Life Insurance Lawyer San Diego . Oceanside . Escondido

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

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

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

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

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

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

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

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

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

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

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

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

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

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