California Life Insurance Settlements

California Life Insurance 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 Verdicts and Confidential Settlements are multi-million dollar claims.

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.
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.
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.
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 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.