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Life Insurance Beneficiary Disputes & Interpleader

 

Rescission & Misrepresentation

Has Your Life Insurance Been “RESCINDED”?

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Bad Faith and Claims Denial from Globe Life Insurance Company

Bad Faith and Claims Denial from Globe Life Insurance Company

Have you experienced Bad Faith and Claims Denial from Globe Life Insurance Company? Globe Life Insurance Company is a huge seller of life insurance policies that empathize no medical exam, low policy benefits (usually $100,000 but many smaller amounts, with most sales in the $25,000 to $30,000 policy benefits level). Here, Globe Life describes itself: “Since 1951, Globe Life has grown in financial strength and reputation. Globe Life is proud to provide life insurance coverage to over 4 million policyholders. A.M. Best Company, an independent insurance analyst since 1899, awarded Globe Life an A+ (as of 6/16) based on their latest analysis of financial strength, management skills and integrity.  You can be assured Globe Life will be there when you need us the most. Their venture began when the founding fathers determined their agency would market inexpensive but dependable life insurance protection to Americans who were living in rural areas. […]

Is It Too Late to Sue the Life Insurance Company?

Too Late to Sue the Life Insurance Company?

When Is It Too Late to Sue the Life Insurance Company? Do NOT wait to sue a life insurance company; waiting to sue an insurer will always be to their advantage and against you as a life insurance beneficiary. States have Distinct Time Limits to Sue a Life Insurance Company. To make it more complicated, there are different legal actions we sue a life insurance company for doing, and each of those actions may have a different length of time in which to sue. Have you contacted the life insurance company and told them that the insured party has passed away? Do you have the original Death Certificate? Do you have the original insurance application naming you as beneficiary? Have you filled out the insurance company policy claim form? As a policy claimant, you must have all these in order to proceed in getting your contract claim payment. If you […]

Is The Life Insurance Company Demanding Medical Records?

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 […]

Life Insurance Claims Denial How To Fight A Life Insurance Company

Fight the Life Insurance Company Before the Claims Denial What is the difference between a big discussion and getting a person to change a “No” to a “Yes”?  It is the same as dealing with anyone. Life insurance companies are big, formal places, where lots of people have to “sign-off” on a decision, even if you aren’t talking to anyone more than the same claims adjuster.  There is a big system in the background, with managers, supervisors, vice-presidents, and lawyers. Most or all of them will be involved in a decision to deny or rescind your important life insurance policy.  Once a committee has made the decision for a “no” it is that much harder to do.  Yes, we do it, and we can get a no to yes with the right facts…but its better to avoid the “no” at all. Many of our clients know from an early time […]