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Is Your Life Insurance Company Blaming You?

Is Your Life Insurance Company Blaming You?

In life insurance litigation, binding the insurer and making it responsible for the “brokers” or “agents” actions may make the difference between winning or losing your case and getting your life insurance benefits.

We are lawyers, highly experienced in Federal Court and State Court, on all insurance issues, including whether a life insurance agent or broker may be responsible for the problems you are having with your life insurance claims.

The first point about insurance agents and brokers (which are not the same thing) is that we try to focus litigation on the insurance company, not the agent or broker.  The insurance company has the power to pay the claim, not the agent or broker. Insurance brokers and agents act as the customer contact between insurance companies and potential customers – an agent is a person who is authorized by the insurance company to sell insurance on its behalf.  An agent has a separate contract with an insurance contract, detailing the agent’s authority to act, take applications and premiums, and communicate about the policies.

Is The Insurer Claiming “Application Misrepresentation”?

Misrepresentation means that the life insurance company claims that in the life insurance application “Health History Questionnaire” contains false statements and/or intentional concealments of true facts of the insured party. This means the Life Insurance Company is blaming the insured party.

Why Is Your Life Insurance Company Blaming You?

These days, insurance companies, especially life insurance companies, when asked to pay on a policy, really begin the “blame game.”  Who can they blame, to avoid paying the life insurance benefits?

Are Life Insurance Policy Brokers/Agents Loyal To You?

“Brokers” sell insurance policies on behalf of more than one insurance company, and accordingly have the power to bind these insurers on coverage and other matters.

A broker is an agent of more than one company.  (In particular situations, such as policies involving the sale of disability or life insurance, insurers are required to appoint agents as their own agents for a particular insurance transaction.)  Usually, a life insurance agent is the agent for one company, although there are also life insurance brokers, agents for different companies.

There are so many different arrangements that it really takes a life insurance lawyer NOW to understand and work to make the system fair and reasonable, and work for you. Despite these difference, agents and brokers may look and act the same to a consumer – selling insurance policies and earning commissions based on the policies sold.  There is another layer of legal issue, on whether the agent is acting as agent for you, to help you get the most appropriate insurance available.  Many of the life insurance companies are not based in California and display a shocking lack of regard for the complexity of California life insurance law, Insurance Codes, and California Insurance Regulations, not to mention the many legal precedents.

This is an area we really know, better than many other lawyers, because we have argued and litigated the issue from both sides for decades.

These cases can involve discovery into the finances driving the broker’s or agent’s revenues and compensation.  How does that arrangement possibly motivate a broker or an agent to recommend some policies over others?  Some policies may earn the agent or broker higher commissions, which may or may not be appropriate. Agents and brokers only have liability in certain limited circumstances so you will need an experienced attorney to determine whether an agent or broker has done something that you can use to win in Court.  Law is not something that just flows the way you think is reasonable, especially in the field of insurance litigation, because the life insurance companies are some of the most aggressive users of the State and Federal Courts.  We know, because we have been there fighting the life insurance companies, and for you, the beneficiary, for decades.

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 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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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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Life Insurance – What Are Incontestability, Contestability, And Rescission?

Life Insurance – What Are Incontestability, Contestability, And Rescission?

Life Insurance – What are Incontestability, Contestability, and Rescission? And how can they affect your claim?

You probably did not know that a life insurance policy that is properly paid for can still be taken away by the life insurance company, and the claim not paid, under laws involving  Incontestability, contestability, and rescission, in the State of California.  What do these terms mean, in California, involving life insurance policies and claims?  Really, these terms and concepts are central to whether the life insurance company will pay on your claim, or not.  We can help, NOW.

The most common thing that life insurance companies are doing to avoid payment on life insurance policies where the premium has been paid has to do with contestability and rescission.  

Rescission and rescind is the legal term for undoing a legal contract sometime after it has been signed and paid for.  The life insurance companies use rescission to undo the life insurance policy – a special legal contract – even after the death of your loved one.  If the claim comes within the first two years of the policy, and is contestable, then the life insurance company will investigate will great energy, looking for something to claim as a misrepresentation on the application.  To a life insurance company, if someone dies from a disease within two years of buying the policy, there must have been a misrepresentation, something that was not disclosed, because life insurance companies try very hard to not issue life insurance policies to people who might actually use them.

The way the life insurance company looks for “grounds” in its rescission investigation, is to usually get all of the applicant’s medical records, for ten years or more before the application.

The life insurance company is looking very hard through every page of what can be hundreds of pages medical records, searching for something, anything, that the life insurance company can say was misrepresented.  We have seen this be as minor as diagnostic test, an x-ray or MRI, that did not reveal anything, to be used by the life insurance company as “grounds” to not pay on the policy, and to rescind the policy.

Under the broad view of the law that the life insurance company likes to argue, it doesn’t even matter if the question of fact was about something that did not contribute to the loss of your loved one.  The insurance company is just investigating to try a big “gotcha” memory test, where they ask a person on the application (with the friendly agent saying, oh, it’s okay) to answer a page of odd, broad questions, going back five, or even ten years, about every kind of medical situation – just to test your memory.  Then, the life insurance company does the medical test “open book” by using an authorization to obtain copies of every medical provider and hospital you have been to in the last ten years.

They use people to review those records, looking for anything that doesn’t get your loved one a “100%” score on the application questions.  If there is anything less than a 100% match between the ten years of records “open book” test that the company uses, and the page of the application done as a memory test for your loved one, the applicant, the life insurance company will rescind the policy, making it disappear, and refusing to pay anything on the life insurance policy.

More than two years after a life insurance policy is issued, it is considered by California law to be incontestable, so the kind of vigorous medical investigation is usually not done by the life insurance company, since it is too late to rescind for misrepresentation.

In California, the important law is in the California Insurance Code, § 10113.5 on contestability, giving the life insurance companies, as they figure it, two years from the issuance of the life insurance policy based on the life insurance application, to assert anything at all that doesn’t match up 100%.

This is California Insurance Code, § 10113.5 on contemptibility:

a) An individual life insurance policy delivered or issued for delivery in this state shall contain a provision that it is incontestable after it has been in force, during the lifetime of the insured, for a period of not more than two years after its date of issue, except for nonpayment of premiums and except for any …California Insurance Code – Insurance § 10113.5

10113.5. (a) An individual life insurance policy delivered or issued for delivery in this state shall contain a provision that it is incontestable after it has been in force, during the lifetime of the insured, for a period of not more than two years after its date of issue, except for nonpayment of premiums and except for any of the supplemental benefits described in Section 10271, to the extent that the contestability of those benefits is otherwise set forth in the policy or contract supplemental thereto. An individual life insurance policy, upon reinstatement, may be contested on account of fraud or misrepresentation of facts material to the reinstatement only for the same period following reinstatement, and with the same conditions and exceptions, as the policy provides with respect to contestability after original issuance.

These are the issues that we regularly fight the life insurance companies on, for decades in Federal Court, United States District Court, to get your life insurance paid NOW.

Contact us at lifeinsurancelawyerNOW.com and lifeinsurancejustice.com to get your claim paid, NOW.

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California Life Insurance Claims Denial Verdicts & Settlements

California Life Insurance Claims Denial Verdicts & Settlements

California Life Insurance Claim Denial Settlements – It should come as no surprise, but the insurance companies we go after almost always want a “confidential” settlement if there is a settlement. 

The insurance companies want to hide their actions, and the facts that we held them accountable for their earlier refusals to pay and denials of benefits.  Because these confidential agreements are part of a settlement that is good for our clients, we will do it, for the client’s best outcome.  Until the state of the law changes, we must comply with that confidentiality. All these California Life Insurance Claim Denial Verdicts and Confidential Settlements are multi-million dollar claims.

California Life Insurance Claim/Denial on Allegedly Cancelled or Non-Paid Policy: Policy Benefits paid.

Our client came to us after two other lawyers said there was no way to get the life insurance company to pay, and that the only person to sue was the one who was supposed to pay the premium.  Because that person sent the premium in late, and did not keep good records, the insurance company sought to rescind the life insurance policy of the elderly mother of our client.

After litigation in Federal Court, and discovery, including the cross-examination of the person most knowledgeable at the insurance company, the life insurance company decided to pay the benefits owed, plus additional damages.

California Life Insurance Claim/ Denial on Policy Application Statements: Policy Benefits Paid

Our client’s mother had passed away, and the client expected the life insurance company to pay the benefits due on the policy.  But the life insurance company refused to pay, seeking to claim that the life insurance policy application had been filled out in a way that was untruthful or at least incomplete.

We strongly disputed the allegations of the life insurance company.  The policy application was made too long ago, and was incontestable under long standing California law.  The application itself was unclear and confusing, and there was no reasonable way to know that the information now sought by the insurance company was actually sought in the earlier application.  The actions of the life insurance company were nothing more than post-claims underwriting, prohibited in California.  The life insurance company was forced to honor their policy.

California Life Insurance Claim/Denial on Policy Coverage: Policy Benefits Paid

Our client’s husband was depressed and undergoing care for that illness.  Sadly, when the husband died soon after, under ambiguous circumstances, the insurance company sought to avoid paying the policy benefits by terming the situation a suicide.  Using experts and investigation, we recreated the unfortunate situation, to make it clear that there was no suicide.  Benefits were owed, and the life insurance did proceed to pay them to the grieving family.

Disclaimer: These previous cases are examples only, and are not guarantees, or typical.  What happens on your case is based on the facts of your claim and precise situation, but we will do our best to arrive at the best life insurance claim denial verdict or settlement as possible.

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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Frequently Asked Questions About Life Insurance Law

Frequently Asked Questions About Life Insurance Law –

Life Insurance Bad Faith: What does this mean?
Life insurance bad faith means that a life insurance company is unreasonably delaying or denying life insurance benefits. Sure, a company can investigate a claim. But a life insurance company cannot unreasonably investigate a claim, with an eye towards finding any half-reason to deny the claim. When companies go beyond what is permitted by the California law, regulation, and Courts, they act in insurance bad faith. The compensation for insurance bad faith can include bad faith damages, attorneys fees, emotional distress, and punitive damages. This is a very complex area of law, and to win insurance bad faith damages, you really will need a life insurance lawyer now.

Duty to Provide Coverage: What does this mean?
A life insurance company has a duty to provide coverage; that is, to try to find coverage, so it can pay the benefits under the policy. An insurance contract is a special kind of contract, not the usual commercial contract, but is for something even more: peach of mind. A life insurance policy even more (since it involves death or serious injury) is very much about peace of mind. Because of this, the law requires a life insurance company to look to provide coverage. A duty to provide coverage is an important part of a California life insurance policy, and the lawyers at life insurance lawyer now can provide the arguments to get your life insurance benefits paid.

Incontestability: What does this mean?
In California, because there is such a strong consumer interest in peace of mind in a life insurance policy, there is a limited time that a life insurance company has for certain defenses to the policy. After that time limit has passed, the life insurance is incontestable. Even though there is strong California law on this important consumer right, many life insurance companies, particularly from outside of California, seek ways to use the law’s complexity to avoid the policy incontestability. The lawyers at life insurance lawyer now are adept at arguing the complex laws of incontestability in favor of policy benefits being paid.

Fraud: What does this mean?
When an insurance company uses the term “fraud” they mean that the insured, or someone else, intentionally misled them, usually with a policy application misstatement. The life insurance company will argue that without the misstatement, they would not have issued the policy, and that the “fraud” of the misstatement means that they should not have to pay now. When we use the term “fraud” we mean that the life insurance company had an intention to not pay on the policy, which was improper and prohibited by California law.

Application Misstatements: What does this mean?
Life insurance has an application. The life insurance company wants to be certain there is some potential for a person to out last the policy, and to be sure the person does not expect to die soon. Life insurance companies also have other questions that they seek to answer with policy applications. Even though life insurance companies have a limited length of time to investigate an application, sometimes they would prefer to do no investigation before issuing a policy, but then try to do more investigation if and after there is a claim for the benefits. Under most circumstances, this is not permitted under California law and regulation – yet we see it often.

Why Does a Life Insurance Company Delay the Claim?
Besides the additional earnings the life insurance company makes on the money it keeps longer, delay means there is an investigation into searching for a way to deny the claim. Delay,  is always about the insurance company searching for one of its excuses to not pay the benefits. Because of the complexity of life insurance law, it is very important to get an experienced life insurance lawyer now on your claim.

What should I do if I the life insurance company is delaying the payment?
It is really better to hire us before the delay becomes denial. (Of course, we get benefits paid on many denied claims, too, but delay is a different stage.) You should retain a life insurance lawyer now before the delay turns into denial. Why? When we are involved in pre-denial stage, we may be able to show the insurance company why the claim should be paid. We can help avoid denial, and avoid further delay. Life insurance lawyer now can immediately begin to act on your behalf; the insurance company will know that you will not take no for an answer.

Many times, when we come in pre-denial, we can reduce the delay and get the payments paid. They could be paid within 30 days, or sooner. After a denial, we can still do it for you, but it simply takes longer to convince the insurance company to undo the decision they have already made, and make the opposite decision. After the denial, there are two additional steps, and those take time. We have a lot of writing and arguing to do, to motivate the insurance company to take those two additional steps.

Why do insurance companies delay life insurance claims?
Insurance companies don’t like to pay; they prefer when you pay premiums. Delay means they are looking for some reason to not pay the claim. They may ask for paperwork over and over. The biggest delay is a new search through the insured’s medical records. Typically, the life insurance company is searching through the records for something to use to say the application was false, and to deny the policy. There is no such thing as a routine investigation. It is all for one life insurance company purpose: to not pay the money to you.

Why do insurance companies delay life insurance claims?
There are several reasons that the life insurance company delays the claim, by creating an investigation. The company may demand so much paperwork, from a grieving family, that it just becomes too much for the family to keep up with – that’s their goal.

Especially if the family does not have a life insurance company lawyer now helping them, people just get worn down. It is a very difficult time for people, dealing with a loss of a loved one, and searching for papers over and over is tough. But if the life insurance decides you are not cooperating, they may close the investigation, without paying the life insurance policy.

How long does it take for a life insurance claim to get paid?
You should call life insurance lawyer now if your claims are not already paid, within 20 days of when you submitted the death certificate, or if you have been notified that there is some investigation started by the company. Most claims are paid routinely – congratulations – but on larger policies, above $100,000 and beyond the life insurance company has many reasons to not pay, and may delay the claim. That delay is your signal that the life insurance company is going to give you a hard time, and you need a life insurance lawyer now. Remember, the life insurance company has lawyers on its side; don’t be without the guidance and help of an expert life insurance lawyer now.

Often, once we get involved, we can get the life insurance company to pay regularly. It is really important to have an experienced lawyer’s help, without delay.

What will it cost to have your firm handle my delayed life insurance claim?
We work on a contingency fee basis, and we don’t get paid unless you get your money. Our fees are the same or better than any other firm, and with us, you get much more service and value. Other firms usually require you to pay costs of litigation before they will proceed, but we believe in your case enough to wait for success on the case. We also offer grievance and loss counselors.

What are my options if my life insurance claim was denied?
You should retain a life insurance lawyer now from our law firm. We are highly experienced lawyers on insurance bad faith and coverage disputes. We have previous experience providing advice on the most serious of cases – including punitive damages and $100,000,000 claims–to the highest levels of insurance companies. We understand how these companies think, work and act, from the lowest level basic life insurance claim adjustors, to the company presidents.

We litigate high-stakes financial litigation, where everything important is on the line. You don’t want a lawyer unfamiliar with life insurance law and regulation – but you also will benefit from a lawyer who is aware of legal developments in several other complex areas of the law. We have the proper balance in our firm of litigating life insurance claims and cases, and other high stakes insurance litigation, which gives us the best views on the best strategy for your particular situation. Because we involve a team approach on every claim, and test juries on every case, we believe that our results are better than you can get anywhere else.

What is the cost of lawyer from a LifeInsuranceLawyerNow.com?
Our fees are contingency, meaning you only pay us if we recover for you, unless you want a different fee structure. Our fees are extremely reasonable, and we can discuss phased or other fees that will always be better than any other firm’s fee. Remember, you pay us nothing unless we get money for you.

What are some common reasons for a life insurance claim being denied?
Delay itself as a defense to the policy. The life insurance company may just try to win by delay, to ask that you send them documents, and then just deny the claim because you did not send something. Every policy not paid because of delay is a win for the insurance company business bottom-line, even if it is illegal. They seek to bury you with paperwork, because that can work against a non-lawyer. It won’t work against us.

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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State Farm Life Insurance Company

State Farm Life Insurance Company uses the name State Farm life.  State Farm Life says it is the country’s #1 insurer of individual life insurance policies, has been the #1 insurer since 1942 and that is a “remarkable track record of the confidence customers have placed in State Farm since 1922.”  State Farm life sells through agents, who receive commission compensation and other compensation for selling the State Farm Life insurance policies.  State Farm is based in Bloomington, Illinois and prefers Federal Court throughout the country for the many lawsuits that have been filed against State Farm.

State Farm life insurance sells a full variety of life insurance policies, including term life, whole life, universal life, and variable universal life insurance policies.  Each of these particular types of policies has a world of complexity and fine print.  State Farm life insurance certainly recognizes that the purpose of life insurance is to provide peace of mind.

Start Farm describes term life insurance as “affordable protection.”  State Farm life further talks about life insurance as: “Term life insurance is the most straightforward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that “term.”….”Help provide for a family’s loss of income; Cover short-term debts and needs;

Provide additional insurance protection during the child-raising years

Provide longer term protection to help your family pay off a mortgage or to help pay for a college education.”  State Farm Life sells what it describes as “Select Term Life Insurance” where the customer can “Select 10, 20, or 30 years of coverage and a guaranteed benefit. Coverage starts at $100,000, and the affordable premiums are level for the initial policy term. Once past the level premium period, premiums will increase annually. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits.”

State Farm describes “Whole Life Insurance” policies as”Select 10, 20, or 30 years of coverage and a guaranteed benefit. Coverage starts at $100,000, and the affordable premiums are level for the initial policy term. Once past the level premium period, premiums will increase annually. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits.”

State Farm describes its “Universal Life Insurance” as a life insurance policy where “premiums are paid into your policy’s account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as a charge for insurance protection, are then made from the account value. You have the ability to take loans or make withdrawals from the account value for your personal needs. Loans accrue interest and unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the various deductions each month…”

State Farm used to sell a large number of policies of Variable Universal Life.  But in September, 2008, State Farm stopped selling variable universal life.  Because State Farm sold so much of the variable universal life insurance policies, and there has been so much discontent with these types of unpredictable policies, many of the policies are still in force, and insured customers may have questions.

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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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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Gypsy Travelers And 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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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.