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The Many Forms Of Life Insurance Bad Faith

The Many Forms Of Life Insurance Bad Faith

These are Some of The Many Forms of Life Insurance Bad Faith. Did you get a letter from the insurance company saying they don’t owe on the policy?  Or that they want to rescind the policy?  Or that they keep “investigating” and asking for documents over and over?  Your gut feeling that the company is doing anything to avoid paying isn’t a mistake.

The Life Insurance Company’s Goal is to Find a Way to Not Pay Your Claim.

Life insurance policies are very expensive for the companies, since few life insurance policies actually ever cover a person who passes away – most times, people don’t die during the policy period – the policy just provides peace of mind.

So when the rare and sad event happens, the life insurance company is called on to pay far more than it took in, and they don’t want to affect their profits. We can help. Put an experienced lawyer on your side.

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 and Application Misrepresentation are favored strategies of the life insurance company, especially 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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The Importance Of Life Insurance Company Communications

The Importance Of Life Insurance Company Communications

The Importance of Life Insurance Company Communications – Are you getting Timely Communications From Your Life Insurance Company? You are entitled to prompt, timely communications from your life insurance company. The company (and all its representatives) must respond to your communications within “15 calendar days” with “a complete response based on the facts then known.” Any question you ask, and any request you make must be responded to by the insurer within 15 calendar days.

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

Your insurer must tell you about all deadlines that apply to your claim and the fact that there is a deadline for filing a lawsuit against them. [Insurance Code 2071 and California Code of Regulations 2695.7] Once that deadline passes you lose the right to sue them, even if they have broken the law and cheated you. That deadline is called a “statute of limitations” and its purpose is to provide finality and keep things moving forward. There is one deadline for suing an insurance agent and a different one for suing an insurance company, but to find out exactly what yours is – you’ll need to consult with an attorney before the one-year anniversary of your loss. Why? Because in the state of California it’s tricky. There’s something called “tolling”. Your deadline is “tolled” (postponed) as long as your claim is still being processed but once they deny it – the clock starts again. An insurer cannot mislead you about this but it’s a common source of confusion. [California Insurance Code section 790.03]

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

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

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

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim? Has the life insurance company sent you a letter stating that they are rescinding the policy, 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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Transamerica Life Insurance Company

Transamerica Life Insurance Company

Transamerica Life Insurance Company, or The Transamerica Corporation is an American holding company for various life insurance companies and investment firms doing business primarily in the United States, offering life and supplemental health insurance, investments, and retirement services.

Are You A Beneficiary In A Transamerica Life Insurance Company Claim?

Transamerica,  “sells the full line of life insurance policies, including additional policies that are specifically for final expenses, including medical bills and burial, and long term care policies.  Transamerica sells term life insurance policies with benefits as low as $25,000 and variable universal life insurance with benefits of $100,000 per year.  For the whole life insurance policies, which have an investment tool aspect, there is no limit to the amount of coverage that can be purchased.  Final expense life policies are limited to $50,000 and say “no medical exam” but there are health underwriting questions involved.  It really is something that depends on your specific facts, and we are here to help.”

However, just have a look at this bad faith and breach of contract case – Transamerica pays $195 million to settle suit over Universal Life Insurance.

Also: Carmen Clemons v. Transamerica Premier Life Insurance Company, San Bernardino Superior Court Case No. CIVDS1702068 (filed February 6, 2017)
In 2011 Defendant Transamerica issued a life insurance policy to plaintiff insuring the life of her husband. The insured failed to make the required premium payment in 2013 and the policy was cancelled on December 7, 2013. The insured passed away on March 20, 2015. Thereafter, plaintiff submitted a claim for death benefits. Defendant Transamerica conducted a review of its 2013 cancellation of the policy and denied plaintiff’s claim for benefits. Plaintiff contended that Defendant Transamerica did not abide by Insurance Code Sections 10113.71 and 10113.72 when it initially lapsed the policy, making the lapse void. 

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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John Hancock Life Insurance Company Claim Denied

John Hancock Life Insurance Company

John Hancock Life Insurance Company is a company that vigorously markets its name, associating it with a founding father to gain your trust.

John Hancock Life Insurance Company says: “With a proud history of more than 150 years, John Hancock empowers people to feel confident about the future by providing innovative insurance products that protect their loved ones, grow their savings, and preserve their wealth. provides solutions to more than 3.5 million policyholders, Delivers on its promises with over $2.3 billion in claims paid annually, has financial strength ratings that are among the highest in the industry, offers a wide range of products through an extensive network of agents, brokers and financial planners across the U.S.”

Are You A Beneficiary In A Claim With John Hancock Life Insurance Company?

John Hancock life insurance company seeks to market itself by saying how it is unique:

“Our solid foundation of financial strength and stability positions us well to deliver on our promises now and well into the future…. John Hancock’s innovative life insurance product portfolio is among the best in the industry. And when combined with our underwriting expertise and service excellence, you can feel confident that you have the resources needed to help secure your future. …We’ve also made doing business with John Hancock easy and convenient for you. Our products are widely available through a variety of financial institutions supported by an extensive network of financial professionals who can help evaluate your goals and choose a life insurance product that’s right for you.”

Here’s a recent class action suit against John Hancock:

“John Hancock Life Insurance Co. has agreed to pay $91.25 million to settle a class action lawsuit accusing the company of using improper mortality rate calculations that caused consumers to pay inflated rates.

On Friday, plaintiff 37 Besen Parkway LLC filed a memorandum supporting its motion for preliminary approval of the John Hancock class action settlement.

‘The $91.25 million settlement fund will be used to compensate tens of thousands of elderly insureds, and is a remarkable result for an alleged breach of a contractual promise that this Court had preliminary concerns about being ‘awfully vague’ and ‘almost sounds illusory,’’the plaintiff says in the memorandum.”

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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Cigna Life Insurance Company

Cigna Life Insurance Company

Cigna Life Insurance Company is not only a huge life insurance company, but a huge health insurance company as well.

Cigna sells individual whole life insurance, selling it as a “final expenses” policy, with benefits to $25,000.  Cigna seeks to sidestep the rescission law, by making its policies cover life insurance only after the first two years have passed; before that, the “insurance” is only for the amount of the premiums.

Cigna also sells “accidental” life insurance, which is a very narrow product, which only covers death caused by accident – so, any unforseen illness is something not covered.  These policies confuse many people into thinking they have a life insurance policy, that provides some family security when it only actually provides coverage against accidental death, not the many other more common sad ways that death occurs.  These policies may be “more affordable than you think” because you are thinking you get a real full life insurance policy, but you are not.

Here’s some interesting news regarding Cigna – Texas Hospital Partially Wins $50M ERISA Lawsuit Against Cigna.

  • “Cigna violated ERISA by denying full benefit payments to out-of-network provider that engaged in fee-forgiving practice
  • Decision follows a $13.6 million judgment against Cigna in a similar case involving another Texas hospital”

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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AIG Life Insurance, AIG Direct Life Insurance

AIG Life Insurance, AIG Direct Life Insurance

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

AIG Direct Life Insurance Company says:

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

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

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

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

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

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

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

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

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim?  Has the life insurance company sent you a letter stating that they are rescinding the policy, making a rescission, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment.  Rescission is a favored strategy of the life insurance company, if the policy was issued less than two years before the death.

We can help.  Call LifeInsuranceLawyerNOW.com at (888) 997-4070, or (818) 937-0937, or send an email to us in the form on the side of the screen.  We are highly experienced lawyers, not paralegals, and we know this area.  We get right to it with you and the insurance company, and get many claims paid right away.  If court is necessary, we are regular Federal litigators and will push the life insurance company hard for the well being of you and your family.  We respect you, deal directly with you, and understand not only the law and facts, but what you are going through.  We are here to help.  Contact us as soon as possible, to get your claim paid faster.

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AXA Equitable Life Insurance Company

AXA Equitable Life Insurance Company

AXA Equitable Life Insurance Company is among the largest life insurers in America.  The company traces its roots to 1859, and provides more than 2.50 million policies nationwide, through almost 5,000 financial representatives.  AXA is the US company of the Paris headquartered AXA company, an international heavyweight.

Are You A Beneficiary In A Claim With AXA Equitable Life Insurance Company?

AXA Equitable Life Insurance Company, as a world sized life insurance company, sells the full line of different life insurance policies.  Perhaps due to its international ownership, its huge size, and many different parts, AXA can be a very challenging company to work with on a life insurance claim.

The case Magaly Eagan et al v. AXA Equitable Life Insurance Company  shows a settlement of $2,500,000 concerning AXA and alleged benefit plan administrator violation, as well as pension ERISA violation.

Additionally, in Brach Family Foundation vs. AXA Equitable Life Insurance Company, AXA was sued for tremendous rate hikes of their elderly insured:

By focusing the increase on older aged insureds, the suit alleges AXA “unfairly targets the elderly who are out of options for replacing their insurance contracts” and forces the policyholders to either pay “exorbitant premiums that AXA knows would no longer justify the ultimate death benefits” or reduce the death benefit, lapse or surrender the policies.  According to the lawsuit, any of these actions will allow AXA to make a “huge” profit from the “extraordinary” COI increase.  According to the lawsuit, AXA originally projected that the COI increases, which ITM TwentyFirst has noted ranged from 25-72%, would increase “profits by approximately $500 million.”

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? 

Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim?  Has the life insurance company sent you a letter stating that they are rescinding the policy, claiming Application Misrepresentation, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment.  Rescission is a favored strategy of the life insurance company, if the policy was issued less than two years before the death.

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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Allstate Life Insurance Company Claim Denied

Allstate Life Insurance Company

Allstate Life Insurance Company is very large life insurance company that sells through agents –  term life, permanent life, and whole life insurance products – and because Allstate sells through advertising to drive contacts to its agents, it is focused on a different part of the market.

Allstate is often referred to as one of the worst insurance companies to fight on a claim.  This may be due in part to its high costs, for pervasive advertising, and because selling through agents requires some agent payment.

Are You A Beneficiary In An Allstate Life Insurance Company Claim?

Allstate is in a very aggressive position to its policyholders.  Some former employees have reported: “According to CEO Thomas Wilson, Allstate’s mission is clear: ‘our obligation is to earn a return for our shareholders.‘” Unfortunately, that dedication to shareholders has come at the expense of policyholders. The company that publicly touts its “good hands” approach privately instructs agents to employ a “boxing gloves” strategy against its own policyholders.

In the words of former Allstate adjuster Jo Ann Katzman, “We were told to lie by our supervisors – it’s tough to look at people and know you’re lying.”  (Recent AAJ report).

In cases like these, and countless others, the name of the game is deny, delay, defend – do anything, in fact, to avoid paying claims. For companies like Allstate, there are corporate training manuals explaining how to avoid payments, portable fridges awarded to adjusters who deny the most claims, and pizza for parties to shred documents.

Allstate liable for $22 million to insured party for bad faith in Hennessy v. Allstate Insurance – this is what can happen when a company delays and denies claims.However, you must realize that it takes the skill and relentlessness of an experienced, expert lawyer like us to get a verdict like this.

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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Prudential Life Insurance

Prudential Life Insurance

Prudential Insurance Company sells insurance and annuities through The Prudential Insurance Company of America, Pruco Life Insurance Company, and Pruco Life Insurance Company of New Jersey.

Each is a Prudential Financial company located in Newark, NJ, and each is solely responsible for its own financial condition and contractual obligations.

Prudential is a very large company, where many policyholders have no issues, while others have serious problems.  The result really depends on the facts presented to the company, and the company’s reaction to those facts.

Prudential Lined its Own Pockets from the Deaths of Our Own Military Servicemen and Women!

“Prudential Insurance Co. of America has agreed to pay $39.2 million to settle a class action lawsuit alleging it failed to pay death benefits to military service members, veterans and family members under a group life insurance policy in a lump sum as required by federal law.

The $39.2 million settlement was in a class action alleging that Prudential Insurance Co. of America failed to pay death benefits to military service members, veterans, and their families in a lump sum as required by federal law – and,  therein the lawsuit, Prudential had settled the death benefits through the establishment of an interest-bearing retained asset account (Alliance Account) for each beneficiary and, because of this, “systematically lined its own pockets with interest earnings accrued on lump sum insurance benefits owed to families of deceased service members and veterans” .

Are You A Beneficiary In A Prudential Life Insurance Company Claim?

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? 

Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim?  Has the life insurance company sent you a letter stating that they are rescinding the policy, claiming Application Misrepresentation, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment.  Rescission is a favored strategy of the life insurance company, if the policy was issued less than two years before the death.

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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American General Life Insurance Company

American General Life Insurance Company

American General Life Insurance Company is very aggressive at selling policies.  American General Life Insurance Company is part of AIG Direct Life Insurance, known as AIG Direct.

American General Life Insurance Company does not work through agents, but is a company that has direct contact with its customers.  American General is more than one hundred years old, and offers a very simple and direct interface to obtaining lower benefit policies, which are very important to the customers.

Are You A Beneficiary In An American General Life Insurance Company Claim?

In Rhodes v. AIG Domestic Claims, Inc., the plaintiffs were awarded $9.412 million, wherein the judge determined that AIGDC wilfully and knowingly violated its duty to effectuate a prompt and fair settlement after the jury verdict in the tort case, characterizing AIGDC’s December, 2004, postjudgment settlement offer of $7 million in response to the plaintiffs’ c. 93A demand letter as “not only unreasonable, but insulting.” 

Have you suffered the unexpected loss of a loved one, only to have a claim for life insurance benefits delayed, or denied? 

Do you get the feeling that the life insurance company is doing everything it can to avoid paying the claim?  Has the life insurance company sent you a letter stating that they are rescinding the policy, claiming Application Misrepresentation, or just sending back the premiums paid? Especially if your loved one had the policy for less than two years before passing away, the life insurance company can become very aggressive at seeking to avoid the policy payment.  Rescission is a favored strategy of the life insurance company, if the policy was issued less than two years before the death.

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.