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Aarp New York Life Insurance Claim Denied

AARP NEW YORK LIFE INSURANCE

Many people have been sold New York Life Insurance Company policies through the AARP but have problems getting their claims paid.  The AARP heavily promotes these policies.  Because the AARP has such a big membership, the AARP New York Life Insurance policy has a very simple application, resulting in many people having these policies.  Even though the AARP New York Life policies are easy to be sold, they are not easy to get paid.  New York Life handles these claims, and even though the policy benefits are not the highest of the New York Life Insurance policies, the company investigates these claims very aggressively.  If you have a claim with the AARP New York Life Insurance Company, and have not been paid on your life insurance claim yet, there is a good chance New York Life Insurance doesn’t ever want to pay you the benefits.  We know how to make them pay your life insurance claim.

Problems with your New York Life Insurance Company AARP claim can start from the very beginning of the claim, or sometimes soon after you submit what you think is necessary on the claim.  These problems include documentation Requirements: Insurance companies often require extensive documentation to process claims efficiently. Missing or incomplete paperwork can delay the settlement process significantly. Policyholders may struggle to gather the necessary documents, such as death certificates or proof of insurability, leading to delays in claim processing.

After you start the claim, the real investigation may start.  We see disputes over coverage: Disputes may arise between policyholders and the insurance company regarding coverage eligibility or the interpretation of policy terms. In some cases, beneficiaries may find their claims denied due to difference in the application or alleged misrepresentation of information.  Getting these paid can be time-consuming and stressful for all parties involved.

Investigation and Verification: New York Life Insurance runs the investigations on these claims using the same manuals as on larger policies.  The insurance company seeks to investigate everything in every way, to wear down the claimant.  Then the life insurance company will say they did not pay because the claimant did not send the company something that was requested.  In the claims investigation part of a life insurance claim, we think it is especially important to have an experienced life insurance lawyer on your side, pushing to get your claim paid.  Claim investigation can involve scrutinizing medical records, conducting interviews, or seeking additional information from third parties and most people do not have experience in understanding what is going on in the investigation.  Because we have run investigations for insurance companies, we know what they are doing, and how to get the investigation to a successful conclusion for you–getting your claim paid.

Policy Lapses and Exclusions: AARP New York Life will review the payments made and try to find a problem, as a way to state that the policy has been terminated for non-payment or is “out of force” on the date your loved one passed away.  The state regulations for statements about payments and the requirements before a policy can be terminated for lack of payment require the insurance company to take certain steps.  Without the insurance company doing the steps right, the insurance benefits still need to be paid on your claim.  Additionally, certain circumstances, such as death due to suicide within the policy’s contestability period, may lead to claim denials or reduced benefits.  Do you know all the fine print? We are strong at making the life insurance company pay your claim now.

The New York Life AARP life insurance program offers seniors a valuable financial safety net, providing peace of mind and security for themselves and their loved ones.  But the life insurance company certainly prefers to sell policies rather than pay policies.  Because of the complex laws and regulations, in California for life insurance policies and claims, which apply to even AARP New York Life Insurance Company claims for people in California, we have the expertise to help you get your claim paid now.

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 NOW.com or life insurance justice.com.  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, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you now.

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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 NOW.com or life insurance justice.com.  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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Amica Life Insurance Company Claim Denied ?

Amica Life Insurance Company

Amica Life Insurance Company is based in Costa Mesa California. Amica Life Insurance Company uses more straightforward information for its life insurance policies. Amica asks if the person to be insured has any significant medical risks, and says that means: Significant medical concerns would include, but are not limited to, diabetes, mental illness, drug or alcohol abuse, moderate to severe respiratory disease, stroke, heart or circulatory disease, cancer, or an ongoing disability, or a family history of ALS. Amica Life does sell both term life insurance, for a level premium for a term of years, which can be between 10 and 30 years, and also sells whole life insurance, which has some value, a guaranteed death benefit, and can grow in value. Amica is well capitalized, and sells life insurance policies that have values up to one million dollars in coverage.

Amica has an active investigations unit that works with its life insurance claims. Amica life insurance, like other life insurance companies, is particularly focused on the denial of claims that are brought within the first two years of a life insurance policy being sold. The life insurance company will investigate such a claim very closely, but in a way that most people don’t expect. The investigation is into the medical background of the insured. Even though the life insurance company had a medical authorization to get all the medical records when it was first getting ready to sell the policy, usually they don’t spend the money to get all the medical records. Instead, only if the person passes away in the first two years, when a rescission is possible, will they get all the medical records.

Similar to the advertising for other life insurance companies, Amica knows that life insurance is a highly important component of many financial plans. The beneficiaries can receive the funds, and pay off debt, replace income from the lost one, and pay high final expenses. Amica Life Insurance Company is part of an older automobile insurance company. All of that knowledge, though, is in the “sales” side of the company. We have experience with the “life insurance claims” side of Amica. This is like a different company, which has the task of deciding if a claim for life insurance benefits should be paid. Amica will investigate a claim for life insurance benefits. Most people are surprised by the focus of the investigation on a life insurance claim. People sometimes expect an investigation into whether there was an exclusion for life insurance coverage on the cause of death. This is sort of the old fashioned way life insurance companies limited and excluded payouts on some policies. If the insured did something dangerous, like scuba diving, or hang gliding, there might not be coverage paid. If the insured committed suicide, or had illegal drugs in his system, maybe the policy would not pay.

While for some life insurance companies, these exclusions can still be major issues, this is not usually the case with Amica. With Amica, we have found that most issues arise from the medical investigation into claims that come in the first two years of the life insurance policy. The medical investigation is very intense. All of the medical records for the insured, for even the ten years before the life insurance policy was sold, will be obtained. The life insurance company will use its own doctors or on staff medical review personnel to closely review the medical records.

Even on whole life insurance, where the amount of the premiums is higher, because there is some investment value, the life insurance company will closely investigate a claim. For claims that are made more than two years after the policy is sold, there is still some investigation. Amica will investigate to see if any of the excluded causes of death are involved. Like other life insurers, a death that occurs outside of the United States (an international death) will get very close investigation. Amica will look for both a certified and translated death certificate, and a report with the United States of the death of the person overseas. There is a lot more investigation, too.

In our claims and cases with Amica, we have seen their claims department closely investigate coverage and medical statements. There is much more investigation than the average person would expect. Because we are led by a lawyer who used to work for insurance companies, we have special insight into how a life insurance company does investigate and decide whether or not to pay a life insurance claim. We know how to show the facts so that you get paid. We know how to properly argue the lack of any additional facts into reasons supporting payment, not denial or rescission of the policy. With us on your team, you have the best team available to get your family paid the benefits.

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 NOW.com or life insurance justice.com. 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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Ameritas Life Insurance Corp Claim Denied ?

Ameritas Life Insurance Corp

Ameritas Life Insurance Company, actually Corp., is based in Lincoln Nebraska and was formed in 1887.   Ameritas is a life insurance company that sells a lot of policies, throughout California and the US.  While Ameritas sells more than life insurance policies, we focus on getting life insurance claims paid with Ameritas.  Ameritas has an aggressive investigation department that supports their claims adjustors, who are less detailed about their reviews of claims.  Ameritas also seems to have a “deny them all” attitude about claims, especially if the claim is in the first two year of the life insurance policy.  They are, we think, stubborn.  This company really takes you having a lawyer to get them to pay a claim in the first two years, and sometimes even beyond that.  The question of whether Ameritas will pay your claim has a lot to do with how the facts are presented.  Having us as your life insurance lawyer will help you get paid, faster.

Ameritas Life Insurance Company uses agents for selling policies, even though many of the agents are remote or virtual.  Ameritas still has the agent between the insured and the company.  Ameritas Life Insurance includes other, merged in life insurance companies, including Acacia Life Insurance Company, and The Union Central Life Insurance Company, and Unifi Mutual Holding Company.  Ameritas has very strong financial ratings and is a very large size.  This is a life insurance company that can certainly afford to pay your life insurance claim–if you can persuade the company to pay.  Making a life insurance company is something that we can really do.

All Ameritas policies require medical examinations.  While this may be a bit of a hassle when you are buying the policy, this is something that helps us get your policy paid.  Not only does the insurance company have a detailed medical questionnaire as part of the insurance application, but there is an actual person who comes out to the insured person, to do a basic exam, too.  Typically, the main questions on the medical examination are also repeated.  This is very important, to us, because it helps show that the insurance company had all the information that they needed to know if they wanted to sell the life insurance policy in the first place.  As your lawyers, we believe very strongly that after a life insurance policy has had the unfortunate death of the insured person, the policy needs to be paid.  The life insurance company should not be allowed to do an excessive investigation after the insured person has passed away.

Ameritas does sell a full line of life insurance policies, including value plus term, indexed universal life, universal life, variable universal life, and whole life.  People can easily become confused with these many different contracts.  This is something that we can really help on, too, because we are experienced at reading life insurance policies and contracts, and can make sense of them, for your benefit.

If you have a life insurance claim with Ameritas, we recommend keeping careful notes of what each claims handler says to you.  Ameritas will ask for a medical records authorization.  Be sure you know if you have the legal authority to sign such an authorization.  Ameritas may not like complying with all of the California insurance standards on communication and processing the claim.  If you have the sense that Ameritas is taking too long, or stretching the truth to try to avoid paying a claim, you should listen to that sense, and get a qualified California life insurance lawyer on your side, now.

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 NOW.com or life insurance justice.com.  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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Life Insurance Keeps Going Up

Life Insurance Keeps Going Up Were you sold a life insurance policy and now, years later, the premium costs are jumping higher? Did the sales agent show you how the policy costs would stay level, or even be covered by the value of the policy, to only suddenly now be surprised at premiums that are much higher than expected? Is the life insurance company adding unexplained costs and fees to your premiums, making the cost of life insurance go up? The life insurance company may be violating the law, the contract, and other regulations. You need a life insurance lawyer to review the situation–at no cost to you–to learn if the law can save you those additional premium costs.

When there are big changes in the costs of insurance, you need a life insurance fraud lawyer to review those changes. Many times, courts have determined that life insurance companies have overcharged people. Too often, the overcharging on the costs of insurance has been too much for people to pay. So they lose the policy, after all they have already paid, closer to the time that they may need the policy. This is a terrible situation for you and your family. We can help.

We have the knowledge and expertise to examine exactly why your life insurance premiums have suddenly gotten so high. Those high premiums are set by the insurance company, on a yearly basis. Too many times, the premium costs are not really related to how often the insurance company expects to pay benefits. There are other parts of “costs” that the big life insurance companies are pushing into the costs calculations. When they put those costs onto the bills, for their own benefit, too many people are unable to pay the new cost of insurance. The surprising truth is that sometimes the life insurance company is breaching the life insurance contract, in a complicated and financial way, but the result is a loss of benefits for your family.

For example, many universal life policies had guaranteed interest rates of 4% written into the contract. But the reality of the last decade has made it harder for the life insurance company investments to make that. The life insurance company is a big financial company and never wants to show that they are making less money than before. So the life insurance company decides to increase premiums, in a surprise to you, to make sure the company makes more and more money. That isn’t right, and it is a violation of law.

Some life insurance companies have just increased their billing of “costs” to make up for losses that were a risk the company took on itself, for selling the policy. Sometimes the company just inflates the costs, in an effort to bill you more. The insurance company knows that you will do everything possible to pay your life insurance premiums currently because having the protection for your family is important.

Sometimes, the life insurance company is charging too much, because of a complicated formula that it misuses, where part of the calculation is on “mortality charges” which is an insurance term about the expected numbers of insured people who will pass away during each year. Because many times the mortality expectations and the mortality realities are different, if an insurance company keeps increasing premiums but really should be decreasing them, this is something that is a breach of the insurance contract. This is difficult to realize without the use of the right life insurance lawyer.

Sometimes, the life insurance company be forced to pay money to policyholders, reinstate coverage, or pay penalties, or a combination of all three. Sometimes the solutions is to have a lawsuit obtain a no-lapse Endorsement, where the life insurance company promises to provide guaranteed coverage ensuring that the Policy woul dremain in effect even if the Policy’s accumulation value was insufficient to cover the required monthly deductions withdrawn from the accumulation account.

Another bad motivation of a life insurance company, but one they will not admit, is that they want to see policies cancelled for non-payment. After paying for years, the life insurance company gets to keep all that money, without the continued risk that they will actually have to pay out the death benefits to your family. The risk only increases each year, so the life insurance company has a mixed motive to try to get the policy to end before you do.

Were you sold a Universal Life Insurance Policy or a policy where costs cause higher premiums?

We are currently investigating the practices of the following companies:

Transamerica Life Insurance Company
Transamerica Premier Life Insurance Company
MetLife
Equitable
Prudential Life Insurance Company
Pruco Life Insurance Company
New York Life Insurance
Massachusetts Mutual Life Insurance Co.
Principal Financial Group
Lincoln National Corp.
Western & Southern Financial Group
American International Group AIG
Northwestern Mutual Life Insurance Co.
State Farm Life Insurance Company ‘
Jackson National Life Insurance Company
John Hancock Life Insurance Co.
Pacific Life Life Insurance Company
Guardian Life Insurance Co. of America
Securian Life Insurance Company
Hartford Life & Accident Ins. Co.
Standard Life & Casualty Ins. Co.
Nationwide Mutual Group
Sun Life Financial

If you own a universal life policy issued by these companies, or a policy where costs are part of the life insurance premiums, you may have a fraud claim. We can investigate your situation–at no up front cost or fee to you–and determine if this is something we can help get fixed.

How to know if you have a universal life insurance policy or wrongful costs charged policy?

If you were sold a life insurance policy in the past years, where you were told the premium would be handled by the investment growth, or that the costs of insurance would not go up, you may have a case. If there were marketing materials that showed how the cost of the policy would go down or be paid by the earlier premiums paid into the policy, and invested, that may be universal life. If you were told that the investment part of the life insurance policy would always be guaranteed to make 4% or a similar number, those are flags for a universal policy that we can help on. These are not usually term life policies, where the policy premium is scheduled and expected to go up after a level term, that is stated in the policy, usually of 10 or 20 years.

Universal life insurance policies will cost more than simple term life but are sold with a lifetime or longer coverage. Coverage that is always there is a typical selling point. To be complicated, the owner of a universal life policy gets coverage that does not expire, a certain amount of “death benefit” and a “cash value” account that is supposed to earn money to help pay the policy. The “cash value” is usually sold as earning money untaxed so there is an added benefit. The cash value account is used, if the plan works out, to pay the policy premiums in the later years. But the risk is that the cash value does not grow fast enough, or the life insurance company adds in excessive costs (increasing the premiums). As ever, if the premiums are not paid by the right time, then the policy can lapse, then be cancelled, losing all coverage and value

Consumer Federation of America Asks for State Insurance Commissioner Investigation

The Consumer Federation of America recently sent a letter to the insurance commissioners in each state asking them to investigate these practices.

A spokesman for Transamerica wrote in an email to the Baltimore Sun that insurance companies have been grappling with how to deal with the historically low insurance rates in recent years. According to Alfred W. Redmer Jr., the insurance commissioner of Maryland, “[t]he cost of insurance is supposed to be based on the current mortality tables, which have nothing to do with the interest rates.”

If you have a universal life policy, or a policy where you have learned of a surprise in increases in premiums and or other cost charges; or who seen big increases changes in the projected future costs or values, you owe it to yourself to talk with us. Keeping your life insurance in force, there to protect your family, at a fair cost, is too valuable to lose.

We know life insurance. 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 NOW.com or life insurance justice.com. 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, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.

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Large Life Insurance Policy Specialist

Large Life Insurance Policy SpecialistWe have handled many large policies.  These policies, situations and life insurance companies require the highest level of expertise.  If your policy is more than $1,000,000 and especially if over $5,000,000 many of the typical events do not apply.  The way the life insurance companies handle these policies and claims can be very different than others would expect.  We have been on “both sides of the table” so to speak, so we are the right choice for these large policy situations.

We have handled custom “manuscript” policies where the insured confers with the life insurance company about additional policy terms on the policy.  We have handled “Lloyd’s” policies, which are actually specific policies written by specialists and backed by syndicates of capital, considered the very beginning of the insurance marketplace.

We have provided legal counsel, sometimes in tandem with our client’s family office counsel, on life insurance issues for top tier financially successful clients.  Those policies have particular structures and expectations, as part of an overall financial plan.  Confidentiality, certainty, and confidence are crucial in providing services that obtain the right financial results.

While many of our clients are comforted by our willingness to accept cases on a contingency, providing no risk to the client in an already disputed circumstance with the life insurance, for large policies and if preferred by the client, we have other fee arrangements.  These alternative fee arrangements include just hourly work with a retainer agreement, a blend of hourly and contingency, and pure contingency, depending on the circumstances, the phase of the situation, and always what the client prefers.  People, families and businesses that participate in the larger life insurance policy business world require the highest professional standards as well as creative solutions to protect their reasonable expectations; and we deliver.

There are a limited number of life insurance companies that regularly write life policies that have $5,000,000 to $20,000,000 in coverage.  These life insurance companies, including MetLife, New York Life, Transamerica, The Hartford and others, have special teams that consider any claims on these large policies, and any premium payment issues, as well.  We have worked with, and litigated with these companies, and others, and are ready to bring our full wealth of specialized experience in this particular area–large life insurance policies and claims–to help you, your family, and your business interests, receive the protection and benefits that were promised.

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 NOW.com or life insurance justice.com.  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, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.

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Why Was My Life Insurance Claim Denied?

Why Was My Life Insurance Claim Denied?

Has Your Life Insurance Company Denied Your Claim?

You can’t believe the news: Your loved one has suddenly died.  A few weeks later, you can’t believe the news, again: the life insurance company has denied your claim. The life insurance company refuses to pay even the small policy benefits – $25,000 – to you and the other beneficiaries.

Has The Life Insurance Company Used The Term “Recission” To Deny Your Claim?

What kind of a life insurance company would refuse to pay a small policy, knowing the insured person is gone?  The answer to a life insurance company claims denial, even a small but important policy, is based on the life insurance rescission law in California.

A Life Insurance Company can seek to rescind a policy in California based on policy application misstatements (false representation)  if the policy falls into the two-year contestability period when the person whose life was insured has died.

  • In California, a life insurance policy is generally considered “incontestible” two years after it is issued, or the application is filled out.  Incontestible or incontestibility is a law and legal doctrine intended to provide some added certainty that a life insurance policy will be paid.
  • Incontestibility requires that after two years, a life insurance company no longer has the right to refuse or deny a claim (or rescind a life insurance policy) based on a “misrepresentation” in the life insurance application.
  • Unfortunately, life insurance companies have turned the incontestibility law upside down, taking the law to give them a wide territory to rescind and deny life insurance claims on policies that have been in force less than two years.
  • In fact, the life insurance companies that sell these smaller policies use the incontestibility law in just this way. To save money – their money – these companies don’t do much or anything to investigate a life insurance application.
  • They are just interested in getting the business, and accepting the money for the premium.  If a person loses their life in the first two years of the policy, for a medical reason, only after a claim comes in, will the life insurance company perform its investigation.

Has The Life Insurance Company Used The Term “Misrepresentation” To Deny Your Claim?

After a claim comes in, the investigation is all about trying to find a “misrepresentation” on the application, so the life insurance company can rescind the life insurance policy, as if the policy had never existed.  The life insurance company will send back the comparatively small amount of premium paid, instead of paying what the insurance was intended to cover in the first place –peace of mind, if the worst happened.

A Life Insurance Company Is Required To Treat You In “Good Faith”

Here’s a great article on the rights on the insured. As you will see,

“You are legally entitled to be treated in “good faith” by your insurance company and its representatives at all times. This means your insurer must be considerate of your needs. It must communicate fully and honestly with you about the policy it sold you and about rights and duties relating to your claim.  In turn, you are legally obligated to be honest and to cooperate with reasonable requests for information relevant to your claim. Cal. Insurance Code sec. 790.03 is the main place to read these requirements. They’re also included in portions of Cal. Insurance Code sec. 2071.”

A Claims Denial Is No Reason To Consider Your Case Closed.

To us, it’s the start of a process that will get your claim paid. But the insurer wants to to see it as final, and to therefore give up your efforts. That way, they get to keep YOUR money – which was their goal in the first place.

If you have a problem getting your life insurance claim paid, or your policy has been rescinded, denied or has other issues on it, you need to contact Life Insurance Lawyer NOW.com or life insurance justice.com NOW.  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, not a lawyer referral service or “middleman”, we are here for you NOW.
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Life Insurance Lawyer Sacramento

Sacramento is both the long-time capital of California and the fastest growing city in California.  Sacramento is close to the Bay area, but offers a much more affordable life-style over more space.  Beautiful and located where two major rivers meet, and only about an hour from Lake Tahoe, Sacramento is the sixth largest city in California, growing and thriving.  Many of our clients have been from Sacramento and the surrounding residential areas.

Sacramento has a higher number of State government employees, some of whom have issues with life insurance through their work.  Other large employers in Sacramento offer life insurance programs through the workplace, which are generally covered by ERISA.  We handle many life insurance questions, whether through ERISA employment policies, or purchased directly through the life insurance agents, or even on line.  Typically, it is pretty easy to buy a life insurance policy.  It is much harder to get a life insurance claim paid, especially in the first two years of the life insurance policy, if there is an unfortunate claim in that time.  Many times, these life insurance companies act as if a person must have known they had a problem, if that person has the misfortune of passing away in the first two years of a policy.  The life insurance company can be really suspicious of these first two year claims.

In Sacramento, we have also helped clients on accidental death claims.  These accidental death claims are very tricky to handle right.  The accidental death coverages come up, generally, in two ways.  On large employment purchased policies, the accidental coverage can be really important, sometimes doubling the amount of life benefits available.  Funny thing, we regularly see life insurance companies that forget to determine if the claim is for an accidental death, and thereby pay half the amount due.  Sometimes, accidental death policies are sold as part of a credit union membership, or other group.  Those benefits can still be valuable, but accidental death coverage alone is very tricky to prove.  Most people never see the fine print about accidents not being caused or contributed to by illnesses or drug use.  Those two exclusions often become a fight–which we can handle–on accidental death claims.

In Sacramento, we have handled accidental death claims that involve the agricultural spillways and irrigation canals.  These secondary water systems can actually be quite dangerous, particularly during a high-flow event, such as following rainstorms–and the safety barriers are generally very slack, making a dangerous accident even more likely.  We have helped the families of people lost in these watery dangers to obtain the coverage they deserve.

We tell people that they should really watch out when a life insurance company asks for a medical records authorization, as part of a claim.  No matter what the company says, they don’t need those records to pay your claim.  The insurance company needs those records to search for a way to not pay the claim.  These medical authorizations may not even be properly signed by a person who does not have HIPPA compliant medical authority, but the life insurance companies regularly ask for it.  When a life insurance company asks for a medical authorization to be signed, watch out, and contact us for more advice about this important fact.

We like seeing our clients in Sacramento.  Whether you are close to downtown Sacramento, or out further, we are happy to help on your life insurance claims and cases.  These life insurance companies know that you don’t have experience on these claims, while they already have teams of lawyers advising them.  Each claim they can discourage and avoid being completed is a lot of profit to the company.  You and your family deserve a qualified, experience lawyer on your life insurance claim or case, to get you paid without delay.

We are also here for your interpleader law questions and cases.  This is your one chance to get justice on the life insurance policy.  We will help get this right.

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 NOW.com.  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, not a lawyer referral service or “middleman”, we are here for you NOW.

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Life Insurance Lawyer San Jose

San Jose is the center in many important ways of Silicon Valley and the dynamic industries of the Bay area.  This area is the third largest in terms of population, and in the center of the Santa Clara Valley, on the southern shore of the bay.  San Jose is the tenth biggest population center in the US.  There is so much business, affluence, and innovation going on here that it is no surprise that there are people who need help on life insurance interpleader and when life insurance companies won’t pay.  Whether the life insurance policy is through work, or purchased on line or through a life insurance agent, these issues can happen.

Most of the large employers, financial and technology companies in the San Jose, California area offer some life insurance through the workplace.  Many well compensated employee also choose to buy additional benefits, for themselves and their families.  Even people who have some coverage through their jobs, may also use fintech or just a regular life insurance agent to buy more life insurance policy coverage.  It is a comforting thing to have even if you never expect to use it.  Likewise, a life insurance policy is in force and protecting you and your family after it is purchased.  But a wrinkle in the law gives life insurance companies a chance to rescind or undo your life insurance, if there is a claim in the first two years, and the company can successfully show there was some undisclosed reason that would have stopped it from selling the policy, had it known before the claim.  These types of cases, where a life insurance company won’t pay even after a person passes away, are the most devastating for families.  We believe strongly that life insurance companies should pay on the policies if the person has passed away, and we fight for your right to payment.

We have helped clients in San Jose and the Santa Clara Valley many times.  We have been very successful in helping clients get paid fast when it looked like the insurance company was going to deny the payment.  The life insurance company for one client started asking lots of questions, including asking for medical authorizations to be signed.  When we got involved, we quickly got the insurance company to pay the claim, of more than $250,000 without further delay.  The client even was paid interest from the time of the delay, from before we got involved.  Another time, an employer seemed to be changing paperwork up, to try to make it appear that the client’s mother did not work enough hours to be eligible for the higher level of insurance.  We got involved, made it clear to the employer and the life insurance company that any delay in payment would not be tolerated–and our client was paid the next week.  Whatever the facts that the employer or the insurance company may be throwing at you, we are here to push back, and make them live up to their promises–to you and your family.

In San Jose, many of the large employers help to manage the life insurance coverages, through ERISA.  This is supposed to be a benefit to you, to reduce costs, but ERISA raises many serious legal issues.  If your policy coverage is through work, we urge you to consult us first, because ERISA is very tricky, and doesn’t help people get paid like they should.  We have had clients in San Jose who needed us to get involved, to make the claim, because they could tell from the very start that the employer did not want to see the claim paid.  Sometimes the employer fears a financial hit if the claim is paid, sometimes they just don’t want to help, but we have seen that having a lawyer working on your side shows that you are serious and that you should be paid.

We are also here for your interpleader law questions and cases.  This is your one chance to get justice on the life insurance policy.  We will help get this right.

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 NOW.com or life insurance justice.com.  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, not a lawyer referral service or “middleman”, we are here for you NOW.

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Accordia Life Insurance Company: Problems With Your Claim Or Interpleader?

Accordia Life Insurance Company: Problems With Your Claim Or Interpleader?

We get a lot of questions about Accordia Life Insurance Company at times. This is a large professionally run life insurance company, with many lawyers in the background. But some customers and beneficiaries have issues with Accordia, because Accordia has bought up some other life insurance companies in the last few years, and those companies had bought up other life insurance companies before. Sounds complicated, right? It certainly is. When life insurance companies have a number of mergers, the behind the scenes issues in keeping all the electronic and paper files accessible can become a real problem, too.

For more on this, check our blogs on Transamerica Life Insurance Company–similar issues. What do these merger and acquisition issues have to do with you, the insured? You just want your benefits paid with delay, and certainly only to the right person–you. Our advice is that you really need to be on top of things when dealing with a life insurance company that has bought up a bunch of other life insurance companies, especially if your life insurance policy was with one of the acquired companies. Many times we see that the key and important documents may be from fifteen years ago, or more.

Finding a clear copy and even the original of such an important and old document is important. It is that much harder if the insurance company has been bought and merged with another life insurance company, using a different type of computer system, and different ways of storing and indexing files. Believe it or not, one of the less glamorous things we have done in law is going to life insurance company document warehouses, to take depositions of custodian of documents, and other personnel, to get to the real truth about important documents. When dealing with Accordia Life Insurance Company, and Transamerica Life Insurance Company, and other companies with recent mergers, acquisitions, and changes, it is really important to take some notes and keep your records, about who you spoke to, and what they said. Better, get us on your claim, and we will handle all that for you, tight and professionally, and get your claim paid, without more delay. 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 NOW.com or life insurance justice.com. 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, not a lawyer referral service or “middleman”, we are here for you NOW.