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

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

We get a lot of questions about Accordia Life Insurance Company at times. This is a large professionally run life insurance company, with many lawyers in the background. But some customers and beneficiaries have issues with Accordia, because Accordia has bought up some other life insurance companies in the last few years, and those companies had bought up other life insurance companies before. Sounds complicated, right? It certainly is. When life insurance companies have a number of mergers, the behind the scenes issues in keeping all the electronic and paper files accessible can become a real problem, too.

For more on this, check our blogs on Transamerica Life Insurance Company–similar issues. What do these merger and acquisition issues have to do with you, the insured? You just want your benefits paid with delay, and certainly only to the right person–you. Our advice is that you really need to be on top of things when dealing with a life insurance company that has bought up a bunch of other life insurance companies, especially if your life insurance policy was with one of the acquired companies. Many times we see that the key and important documents may be from fifteen years ago, or more.

Finding a clear copy and even the original of such an important and old document is important. It is that much harder if the insurance company has been bought and merged with another life insurance company, using a different type of computer system, and different ways of storing and indexing files. Believe it or not, one of the less glamorous things we have done in law is going to life insurance company document warehouses, to take depositions of custodian of documents, and other personnel, to get to the real truth about important documents. When dealing with Accordia Life Insurance Company, and Transamerica Life Insurance Company, and other companies with recent mergers, acquisitions, and changes, it is really important to take some notes and keep your records, about who you spoke to, and what they said. Better, get us on your claim, and we will handle all that for you, tight and professionally, and get your claim paid, without more delay. We have done this a lot. We take the time to know you and your case.

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

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Will AIG Direct Life Insurance Pay My Life Insurance Claim?

Will AIG Direct Life Insurance Pay My Life Insurance Claim?

We have been asked by people lately, what is going on with AIG Direct Life Insurance? Why am I getting such a hard time having my life insurance policy paid? Is it just me, or is this going on for everyone with a life insurance claim? While we need to find out more about your particular situation, to give you answers just about your policy, there are some things we can say about AIG Direct Life Insurance. First, just like all other life insurance companies in California, and the USA, AIG Direct Life Insurance has to follow all the applicable California life insurance laws.

These include having clear applications, good communications on claims, and responding to claims within a specific time period. No representative of a life insurance company can give false answers to questions, or make any claims decision based on a person’s ethnic group, race, or nationality. The recent corporate changes at AIG Direct Life Insurance have lead, we think, to more investigations on life insurance claims, especially within the first two years of a policy. The company is obtaining more life insurance medical records than ever before, on these “contestible” claims.

While we hope this doesn’t apply to your situation, but we think the company is being tougher than ever on claims, looking for ways to avoid payment. That being said, this is also a company that has teams of lawyers and well-trained managers, who know a lot of the California life insurance laws, and what is permitted, and what is not permitted. If you are having a problem getting your AIG Direct Life Insurance claim paid, we find that having a real-life insurance lawyer, like us, on your side can make all the difference.

We know the California life insurance laws; we know what Courts will let a company do, and what goes too far. Many times, by jumping into a claim, we can quickly clear up confusion, provide any legitimate information that needs to be there, give the right explanations, and get people paid. 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 canceled 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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Gypsy Travelers And Your Right To Life Insurance Claims

Gypsy Travelers And Your Right To Life Insurance Claims

Special Message to the Gypsy and Travelers about Your Right to Life
Insurance Claims

This is an important point. Life insurance is a promise from the life
insurance company, rarely called upon to perform. When a life insurance
company is called, after the loss of an insured loved one, they cannot
discriminate based on the religion, ethnic or national origin, or any other
inherent trait of a person. Everyone deserves fair, equal treatment. We
have seen life insurance companies that specifically discriminate against
groups of people, especially gypsy, romanian, traveler, and other peoples
who, unfortunately, and illegally, are held in low regard by some life
insurance companies. Of course, this is illegal, but it is energetically
done by some companies. If you are part of one of these ethnic groups, be
assured that we are here to represent you, and your family, and to hold the
life insurance accountable. To pay your policy, to respect you, and that
any further discrimination will not be tolerated.

We have represented many gypsy life insurance claims, to successful
payment. If the policy was truthfully and honestly purchased, and paid
for, the life insurance company needs to have the right level of respect
for you and your family. We understand that gypsy and travelers do move
around, do have fewer records regularly kept, and may work at jobs that are
not at large corporations. Many times, we see life insurance companies
giving gypsies a real hard time on any life insurance claim, especially if
the policy is more than two years old, and there have been changes of
beneficiaries or owners.

Many life insurance companies have actual bias against gypsies and think
that all gypsy life insurance claims are on fake policies. These life
insurance companies are determined to not pay. They will conduct endless
investigations. They will not stop demanding documents, that regular
people don’t have, and asking questions, that regular people don’t know the
answers. The life insurance companies have a lot of lawyers and
investigators working against gypsy cases. But if the policy is
legitimate, the truth was told, and the person has passed away, we make the
life insurance company pay. We are not here to judge you–we are here to
make the life insurance company pay.

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 canceled 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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Don’t Lose Your Life Insurance To Covid-19

Don’t Lose Your Life Insurance To Covid-19

Don’t Lose Your Life Insurance to Covid-19. If you have lost your employment, being furloughed, or otherwise “separated” from the work you had, and if you have any health issues, you need to strongly consider how to “convert” your group life insurance policy to an individual policy.

Lost Your Employment Due To COVID-19?  Take Action On Your Life Insurance Policy Now.

With everything going on during this pandemic, it is easy to let this detail get lost in the paperwork.  A failure to complete the necessary paperwork, at the right time, and pay the costs, can be a real problem down the road.

Few employers explain these needs closely – they might not understand it themselves – as they are not experts in this area. But WE are – and that’s why we can help YOU.

Has Your Employer Discussed Your Life Insurance Policy Coverage And Coronavirus To You?

Especially with group employer life insurance benefits, every employee can receive coverage, without individual investigation of their medical backgrounds.  Some private insurance can be somewhat obtainable, but health issues can limit options.

Many employers do not provide the necessary paperwork for “converting” the group policy to an individual policy – but if yours has, this can provide some protection for you and your family – but have they explained this to you?  It may cost more than it did before. But if you have health issues, a private life insurance company might not approve your new policy application. This is not a time to leave your family without proper life insurance policy benefits.

Convert Your Group Life Insurance Benefits To An Individual Policy

Even if your employer has not provided the documents, or if the time has passed, it still may be possible to get the proper coverages in place to stay insured.  It is very important to not wait too long.  The law in this specific area is complex and developing. AND, most importantly, many individuals who have been laid off don’t even realize that their life insurance has been terminated, as seen in this recent news article.

Should you have an opportunity to convert your group life insurance benefits to an individual policy, you should especially consider it, especially if you have any medical issues that may make getting a new policy a challenge.

Can You Get A New Life Insurance Policy During The Pandemic?

NerdWallet has recently written that regarding NEW policies, “Insurance companies are responding to the pandemic in different ways. Prudential, for instance, has suspended applications for 30-year term life insurance at least through June. Other companies are restricting applications based on the applicant’s recent travel history. And while most insurers continue to issue Life insurance policies, this could change as the situation evolves.”

According to WWMT West Michigan, there has been a rush in new policy applications to life insurance companies.

“people have been putting life insurance last on their list, but during the COVID-19 pandemic people are seeking those policies more than ever.” You need to ensure that your previous policy is current and up-to-date. It’s time to contact us to make sure. Don’t Lose Your Life Insurance to Covid-19.

Are you having a problem getting your life insurance claim paid? Have rescission, interpleader, or beneficiary disputes arisen? Has your policy has been cancelled? 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 Company Accidental Death Benefits

Life Insurance Company Accidental Death Benefits

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Life Insurance In The Time Of COVID-19

Life Insurance In The Time Of COVID-19

This pandemic changes everything.  Or does it change anything?  You have questions – and we at LifeInsuranceLawyerNOW. com have answers for you regarding Life Insurance in the Time of COVID-19.  Our biggest hope is that very few people are unable to make full recoveries from this virus.  But if things get really bad, should you be worried about the life insurance company?  What will happen to your claim?

The life insurance companies are generally financially strong; they have the ability to pay your claim.  Overall, most life insurance companies are in very strong financial positions.  Life insurance companies have large income streams (premiums), conservative property-type investments, and large credit lines.  Many companies have additional insurance programs, where part of a large policy is held by another insurance company, through reinsurance agreements and “treaties.”

It would take a truly severe situation to threaten a life insurance company, not to mention, the entire marketplace, and even an overwhelming number of claims could be accommodated, through various programs.

Will COVID-19 Hurt Life Insurance Companies And My Claim?

While it is unlikely that the whole life insurance industry would tank because of this pandemic, it could put significant pressures on particular life insurance companies.  Some companies do have more specialized or focused policies, in a particular class of insureds, or parts of the country.  Depending on how things unfold, there could be greater pressures on some life insurance companies, more than others.  Some life insurance companies are parts of bigger companies, too, or write insurance policies beyond life insurance alone.  That may provide some stability, or even some vulnerability, again depending on what happens in the next few months.

But your real question, and our true interest, is even more focused.  Will this affect your life insurance claim?  We think it is hard for it to not affect your claim.

  • We expect that life insurance companies will try to slow down the payment of claims, even when they know they need to pay.
  • Some life insurance companies may be tempted to “over” investigate policies less than two years old, looking even harder for a way to try to not pay.
  • More life insurance claims will be met with a simple refund of the premiums, and a hope that the distressed beneficiary will just be too overwhelmed to complain further.

Will Life Insurance Companies Make It Harder To Pay A Claim?

We are here to help.  Whatever the added, unnecessary investigation may be, the repeated submissions of papers that seem to get “lost” like many modification requests, or other antics, we will work with high energy and vigor to hold these life insurance companies accountable.  We are on the life insurance companies to not delay, but to pay, and to do so without asking unnecessary questions, or questions that could have been asked much earlier, but were not, or for things a beneficiary just would not have.  The level of nonsense is likely to go up, no matter where this crisis goes.

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 Coverage And COVID-19

Life Insurance Coverage And COVID-19

If You are Having Problems Paying for Your Life Insurance Policy, or Have Fallen Behind, We Can Help Keep Your Life Insurance Coverage in Place throughout the COVID-19 period. Life Insurance Coverage and COVID-19 is an issue we can help you with!

While we hope that everything is being done to protect people in this COVID-19 crisis is effective, now is not the time to lose your life insurance coverage.  We can help you keep your life insurance coverage in place during this crisis.

  • If you, unfortunately, have a claim, and a life insurance company doesn’t want to pay because it says the policy was “terminated for non-payment” or late payment, or any type of payment excuse, we can help you.

Life insurance policies are very special contracts.  Because a life insurance contract is a special contract, it can only be cancelled under certain circumstances.

The Life Insurance Company Has To Give Special Notices Before Cancelling A Life Insurance Policy.

The insured needs to be offered an opportunity for reinstatement of the life insurance policy, and–especially in California–the life insurance company has to do all of this in just the right way.

Combined with the cliff-like drop of the economy due to the COVID-19 virus, many people have their life insurance security threatened.  This isn’t right.  This isn’t just a question of the life insurance companies following the California laws and regulations to cancel a policy.

Will Life Insurance Company Premiums Be Raised During The COVID-19 Crisis?

Another thing that life insurance companies have done, especially to people who were sold their policies long ago in the 1990’s and soon after, is to raise the cost of premiums too much.  Many people were told that their premium costs would “vanish” or that the life insurance policy would “pay for itself” after a few years.  This has almost never come true.  Instead, many life insurance companies have increased the premiums, year after year.

Here’s how Metlife.com recently updated their website regarding COVID-19:

“Would any additional fees be imposed if a significant number of claims were submitted as a result of a pandemic event?

For insured business, rates in effect during the current policy period would not be affected. For self-funded business or for absence administration, the terms of the applicable Administrative Service Agreement will apply.”

Too many life insurance companies made false representations about the cost of insurance over time, and what would happen to the premiums.  If the agent and the company told you the premiums would go down, or be paid by the policy, or some other financial hocus-pocus, you may have a case against the life insurance company.

A Life Insurance Company Cannot Just Cut-Off Your Policy, Like A Cable Company.

A life insurance company has to follow the special rules, for such a special contract.  If the life insurance company has increased your premiums, or other add-on costs to the policy, over the years when it had promised to not do so, you may have a case against them.  Not only may you be entitled to continue the policy for years, without the payment of any more premium, but you may be entitled to a refund or compensation for their misrepresentations to you. A “Notice of Cancellation for Non-payment” Must Be Sent By the Insurer if they intend to cancel your policy.

Get a few of your life insurance company premium statements and any letters from the life insurance company together, and get in touch with us.  We will tell you how we can help.  Sometimes, the deferral of payment is possible.  Sometimes, we can get a late reinstatement approved, without any new medical underwriting.  Watch out–if a life insurance company ever asks for medical updates, that policy is done.  No one is in the same medical condition years later, as when they were first sold the policy, and “medical underwriting” is tantamount to “we will deny you soon” when a life insurance company says it.

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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COVID-19 And Life Insurance Company Claims

COVID-19 And Life Insurance Company Claims

COVID-19 and Life Insurance Company Claims is an extremely important issue today. At Life Insurance Lawyer Now, we are all-in on whatever it takes to protect people during this health crisis.  Whatever happens in the next few months, we are concerned if COVID-19 will allow life insurance companies deny even more claims – even claims that have nothing to do with this novel virus.

Does Life Insurance Cover The Coronavirus (COVID-19)?

Overall, we think that the life insurance companies will continue to pay some claims, and have the financial strength to pay claims.  The real question is if the life insurance company will pay your claim – or use COVID-19 as another excuse in their favor.

The COVID-19 Crisis Will Likely Allow Life Insurance Companies To Step-Up Their Plans On Avoiding Paying Life Insurance Claims.

If your claim is in the first two years of a life insurance policy, watch out for stepped-up rescission claims by the insurance company. Rescission is a strategy by the Life Insurance Company to avoid paying any policy benefits by claiming that you have no insurance coverage.

The tricky thing that most people don’t understand about a rescission review (also called a “contestible investigation” by some life insurance companies) is this:

  • The life insurance company can “blow up” the policy if it says there is anything misrepresented on the application.
  • The thing that is “misrepresented” does not have to be the incident that unfortunately caused the loved one’s death.
  • The life insurance company says that any misrepresentation is enough to undo and rescind the policy.  This is really tough for most people to understand – and it is very unfair.

This position of the life insurance companies results in the ridiculous but successful rescissions such as:

A man unfortunately passes away in a fire at his home, while he is sleeping.  The fire is caused by an electrical malfunction.  Because the man did not tell the life insurance company on the application that a doctor had told him he had high blood pressure, the life insurance company is successful in making the life insurance policy disappear (rescission).  Of course, the high blood pressure had nothing to do with the death by smoke, but the family still did not get paid.

This Rescission Rule Really Favors The Life Insurance Companies.

Because it is so unexpected to most people, it can be a problem.  This is another reason having a lawyer on your side, early, is important.  We know the rules and we know why the life insurance company is doing the sort of strange things that it is doing.  You don’t want to learn the basics on your own case.  It is better to rely on us.  Even if it seems like a difficult situation, we may be able to help. The Life Insurer has a team of experienced lawyers – you need the same. We are here to fight for you regarding Covid-19 and Life Insurance Company Claims.

We Expect Life Insurance Companies To Use Rescission Rules For COVID-19 Claims.

The life insurance companies will look for literally anything they can twist into looking like a misrepresentation, so they can avoid paying the life insurance policy, no matter how unrelated the cause of death and the misrepresentation may be.  Especially now, if the life insurance company begins to “over-investigate” your claim, asking for broad medical authorizations, you should beware, as well as have some expert lawyers on your side to get your claim paid.

Nerdwallet.com has this to say about Life Insurance Benefit claims relating to COVID-19:

Traditional life insurance policies, such as whole and term life, likely cover deaths from COVID-19, according to spokespeople from industry research group LIMRA, State Farm and Farmers New World Life (part of Farmers Insurance).

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 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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Is The Life Insurance Company Demanding Medical Records?

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 Claims Denial How To Fight A Life Insurance Company

Life Insurance Claims Denial How To Fight A Life Insurance Company

Fight the Life Insurance Company Before the Claims Denial

What is the difference between a big discussion and getting a person to change a “No” to a “Yes”?  It is the same as dealing with anyone. Life insurance companies are big, formal places, where lots of people have to “sign-off” on a decision, even if you aren’t talking to anyone more than the same claims adjuster.  There is a big system in the background, with managers, supervisors, vice-presidents, and lawyers. Most or all of them will be involved in a decision to deny or rescind your important life insurance policy.  Once a committee has made the decision for a “no” it is that much harder to do.  Yes, we do it, and we can get a no to yes with the right facts…but its better to avoid the “no” at all.

Many of our clients know from an early time that the life insurance company is out to avoid the paying on the policy.  They know from the delay from the life insurance company, the repeated unreasonable questions, the tone of the investigation, the request for medical authorizations, that the life insurance company is working hard against them.  That sense is too important to ignore.  Remember, it is easy for the life insurance company to pay.  All they need to do is
confirm that the loved one has passed away and the policy was paid up. Done and done.  All the investigation, all the requests, all the added time, it is all effort by the life insurance company to not pay.  They are seeking anything that they can cobble together, on their fancy stationary, to try to make you go away, unpaid.

When you have a life insurance claims denial, the life insurance company is following its “playbook” to investigate your life insurance claim, with the intention to not pay, and even to rescind the life insurance policy.  The life insurance company has done this many times before, although for you, it is certainly your first experience with this process.  Especially with employer purchased life insurance policies, ERISA policies, and high-value individual life insurance policies, there are many specialized and technical aspects of the process.

If you hire us before the life insurance company says “no” we can sometimes prevent improper items from being mis-considered by the life insurance company.  We can provide helpful and supporting information. If the life insurance company is only looking to not pay, we can give
reasons to pay.  Life insurance companies are fully represented by lawyers, even before a lawsuit is filed, and you dealing with the life insurance company without a lawyer is the way they prefer it.  Once you have the right lawyer on your side, the life insurance company will respect you more, take your claim more seriously, and know they won’t get away not paying when they really should.

If you are worried that the life insurance company is looking for a way out of paying, it is better to trust that, and get yourself a knowledgeable lawyer.  There is too much at stake.  After the life
insurance company has run through its playbook, and everyone at the life insurance company has signed off on the “no” to paying you, it takes great effort to undo all the no’s from the company.  Yes, we take cases where there has been an official “no” or a rescission, making the life insurance policy go away.  But you know that getting a discussion to work out your way is one thing, but getting someone to change their mind from a “no” to a “yes” is another.  Don’t let t

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.  We help families throughout California and the 50 states.  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.