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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.

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Guardian Life Insurance Company

Guardian Life Insurance Company

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

Guardian Life Insurance also says:

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

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

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

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

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

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

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

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

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

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

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New York Life Insurance Company

New York Life Insurance Company

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

New York Life Insurance Company says:

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

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

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

The company’s priority is to safeguard their interests.

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

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

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

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

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

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

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Has Your Life Insurance Claim Been Denied or Delayed?

HAS YOUR LIFE INSURANCE CLAIM BEEN DENIED OR DELAYED?

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

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

Too many people give up at that point.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Has Your Life Insurance Claim Been Delayed?

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

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

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

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

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