National Life Group Lawsuit Complaint

National Life Group Lawsuit Complaint

National Life Group Lawsuit Complaint

There is a growing number of people with life insurance beneficiary claims with National Life Group that have unpaid claims.   The delay in paying a claim and the added investigation done in a claim can make a difficult time even worse.  We bring lawsuits against National Life Group to get life insurance claims paid.  When a life insurance claim goes on for too long, without the family being paid, a lawsuit is the only way to make the life insurance company comply with the law and pay the policy.  We encourage people to get us on their side before the life insurance company officially says no, they won’t pay.  It is always better for us to get a company to agree to pay if that company has not already decided to not pay.  Even if National Life Group has told you that they will not pay your claim, we may be able to help.

Especially if you or your family members are Chinese, Filipino, or Vietnamese or other Asian American groups, there are serious allegations that National Life Group has target you, or your family, for improper sales of universal life policies.  These universal life policies are sold with projections that make it appear that the policies will not require large future premium payments.  The projections and statements from the life insurance agents may be inaccurate or even false, all in an effort to create improper sales.  Because life insurance policies are often sold by agents, who have an ethnic or national origin affinity with the people being sold, these inaccurate statements can seem trustworthy.  If you have a universal life policy with National Life Group, we do have a Mandarin Chinese speaking attorney available to work directly with you, to obtain the justice that you and your family deserve.

We are the most experienced attorneys in the field, and we will give your concerns our highest priority.  National Life Group has sold many different forms of life insurance, including term life insurance, whole life insurance, universal life insurance, variable universal life insurance and indexed universal life insurance, each of which is increasingly complex.  Especially with sales focused on immigrant affinity groups, with an added basis in trust, the insurance company and agent may have abused that additional trust, to sell insurance that was not right for the customer, affordable, or understood sufficiently for the purchase–leading to troubles paying the premiums, and getting the life insurance claims paid.

The first sign of a troubling life insurance investigation is the request for a medical authorization.  This is always a warning sign.  The only reason for the medical records to be part of an investigation is to try to re-examine the application.  Life insurance companies like National Life like to investigate the applications looking for anything that doesn’t match up with the medical records perfectly.  These records may go back years more than most people remember; medical records are not always correct.  The life insurance company then makes the wrong decision, to not pay your claim, based on something it finds in the medical records.

National Life Group also likes to investigate the source of earnings of a life insured.  To a life insurance company, they want to make sure that they don’t have to pay too much on a policy, to a person who maybe should not have bought so much insurance.  So how much money your loved one made when they applied for the life insurance policy may be something that the life insurance company investigates.  It may seem too late to do that, but especially if the policy was sold less than two years before the unfortunate loss of your loved one, this company will investigate.

National Life Group has also been sued for selling policies, saying the premiums will be one amount, and then increasing the premiums without warning.  When a life insurance company increases the premiums, it is really trying to squeeze some of the people into failing to pay the new higher premium.  Unpaid life insurance premiums put the life insurance company into cancellation of the policy, for non-payment.  When a policy is cancelled or terminated for lack of payment, the life insurance company keeps all the past premiums.  The life insurance company never has any more risk of having to pay the benefits, either.  If the policy holders are able to pay the higher premiums, the company wins, too, because now the premiums are higher.  If you have premium issues with National Life Group, your situation may well be something that other people have suffered, too.

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 or life insurance  We work with most clients virtually, so you never even have to come into an office.  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, we treat you with the highest respect and care, and we are here for you NOW

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