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Large Life Insurance Policy Specialist

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

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

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

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

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

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

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Why Was My Life Insurance Claim Denied? What are my options ?

Why Was My Life Insurance Claim Denied?

Has Your Life Insurance Company Denied Your Claim?

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

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

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

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

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

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

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

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

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

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

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

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

If you have a problem getting your life insurance claim paid, or your policy has been rescinded, denied or has other issues on it, you need to contact Life Insurance Lawyer NOW.com or life insurance justice.com NOW.  Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer.  We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, we are here for you NOW.
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Life Insurance Lawyer Serving Riverside

As your life insurance lawyer, we combine two main points: the most experience around with the best work efforts. Our experience includes many life insurance cases, where the company has refused to pay the claim, even rescinded the policy, and sent the premiums back to you as a check. We have handled many interpleader complaints, probably more than anyone else, over our more than twenty years of court experience. We work really hard on your case, because the specific facts in your case are put in the framework of the law, so you get your claim paid. We work hard to listen to our clients, to hear what important facts they may not even realize are important. We work to marshal all the evidence that helps your claim and your case. Federal Court judges have said that we “argue persuasively.” We will help you find the evidence, too, we don’t expect you to do it on your own. Our clients often say, from the start that they felt better, because they knew we were working hard for them, and keeping them informed. We use the best in technology, to make your part of the case easier on you. We are happy to talk by phone or meet by zoom; we don’t make people drive places unless it is what they want to do.

As your life insurance lawyer, we help to counter the many lawyers that the life insurance company has working for them. The life insurance company has their plan for you to not get paid. As your lawyer, we know just where to push the insurance company, so the questions stop, and you get paid. The lawyers that work for life insurance companies help the agents on the phone to ask about so many documents and so many personal questions, that many times, people just give up. That is part of the plan. We won’t let that happen. We won’t give up. We will help you answer the questions that should be answered. We will help you get the documents that are necessary. Usually, we can even get the needed documents faster than you, and easier, too. We understand and are respectful that you have lost a loved one; you are not looking for a detective game, just the simple peace of mind offered by the life insurance contract–the policy–that was sold when nobody thought there would be a problem.

The three main types of documents that life insurance companies want to investigate are 1. Medical records, 2. Employment records, and 3. Any particulars about the death that may not be covered. We have lots of experience in working through these types of documents. We know just how to use the documents, and the information in them, to get you paid, and not denied. You really benefit from having an experienced life insurance lawyer on your side. We have lots of medical experience and knowledge, and know how the medical records can be used to help pay a policy, or to deny a claim. We know about employment records, and the two parts of how they are used to help pay a claim. (The employment records can show the earnings if the life insurance is calculated on an earnings replacement underwriting basis. The employment records can also lead to more information about the person’s medical and disability background, which a life insurance company wants to use to deny or rescind a life insurance claim.)

Particulars about a loved one’s death are just things you don’t want to ever talk about. These reasons alone are a strong reason to hire a life insurance lawyer. Thinking about the cause of death, comparing medical records and reports, and whether a death was accidental, medical, or suicide are not the kinds of things you should do on your own. Because we truly want to help, we will handle these issues, confidentially, competently, and with your best interests in mind.

Our clients from Moreno Valley have worked in different kinds of work; warehouse, logistics, clerks, but when they needed a life insurance lawyer, we were there for them. Sometimes a person has life insurance coverage from their work or employment, sometimes people go through an agent or website and buy life insurance that way. When our clients have a policy that won’t pay their claim, and they need a life insurance lawyer, we help. We provide top notch services because we have more than 20 years of experience getting life insurance policies paid, we are effective because we understand the kinds of work our clients do (warehouse, driving, clerk, etc.) and we make sure that there is no problem with the application. As a life insurance lawyer, we know how to talk to the decision makers at the company, and their lawyers. The life insurance companies know that if needed, we will file a lawsuit, and push that suit very hard. Every year, life insurance companies see us traveling to ask the tough questions to their claims adjuster and claims managers. We make the company answer the questions, explain why they are taking too long to pay your life insurance claim, or refuse to pay the claim. Because we have been doing life insurance law for so long, and used to work for insurance companies, we really know what is important. If you are tired of the life insurance company running you around, asking too many questions, not accepting your answers, we have the life insurance knowledge, as lawyers, to force the life insurance company to follow the contract and law.

Bakersfield, California is the largest city in Kern County, with more than 350,000 perople living there, the 9th largest city in California. Kern County, more broadly, has more than 850,000 living there and Bakersfield is considered the hub.

Menifee is in Riverside county, north of Temecula and just north of Murrieta. One of the first Sun City retirement developments is in Menifee. With the rapid growth of the area, in 2008 Menifee became its own city, in 2008, with more than 80,000 residents these days. Some of the large employers, where people typically receive life insurance through their employment, include Ms. San Jacinto College District, the Menifee United School District, Targe and Menifee Valley Medical Center.

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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.