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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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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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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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Will AIG Direct Life Insurance Pay My Life Insurance Claim?

Will AIG Direct Life Insurance Pay My Life Insurance Claim?

We have been asked by people lately, what is going on with AIG Direct Life Insurance? Why am I getting such a hard time having my life insurance policy paid? Is it just me, or is this going on for everyone with a life insurance claim? While we need to find out more about your particular situation, to give you answers just about your policy, there are some things we can say about AIG Direct Life Insurance. First, just like all other life insurance companies in California, and the USA, AIG Direct Life Insurance has to follow all the applicable California life insurance laws.

These include having clear applications, good communications on claims, and responding to claims within a specific time period. No representative of a life insurance company can give false answers to questions, or make any claims decision based on a person’s ethnic group, race, or nationality. The recent corporate changes at AIG Direct Life Insurance have lead, we think, to more investigations on life insurance claims, especially within the first two years of a policy. The company is obtaining more life insurance medical records than ever before, on these “contestible” claims.

While we hope this doesn’t apply to your situation, but we think the company is being tougher than ever on claims, looking for ways to avoid payment. That being said, this is also a company that has teams of lawyers and well-trained managers, who know a lot of the California life insurance laws, and what is permitted, and what is not permitted. If you are having a problem getting your AIG Direct Life Insurance claim paid, we find that having a real-life insurance lawyer, like us, on your side can make all the difference.

We know the California life insurance laws; we know what Courts will let a company do, and what goes too far. Many times, by jumping into a claim, we can quickly clear up confusion, provide any legitimate information that needs to be there, give the right explanations, and get people paid. 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 canceled 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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Gypsy Travelers And Your Right To Life Insurance Claims

Gypsy Travelers And Your Right To Life Insurance Claims

Special Message to the Gypsy and Travelers about Your Right to Life
Insurance Claims

This is an important point. Life insurance is a promise from the life
insurance company, rarely called upon to perform. When a life insurance
company is called, after the loss of an insured loved one, they cannot
discriminate based on the religion, ethnic or national origin, or any other
inherent trait of a person. Everyone deserves fair, equal treatment. We
have seen life insurance companies that specifically discriminate against
groups of people, especially gypsy, romanian, traveler, and other peoples
who, unfortunately, and illegally, are held in low regard by some life
insurance companies. Of course, this is illegal, but it is energetically
done by some companies. If you are part of one of these ethnic groups, be
assured that we are here to represent you, and your family, and to hold the
life insurance accountable. To pay your policy, to respect you, and that
any further discrimination will not be tolerated.

We have represented many gypsy life insurance claims, to successful
payment. If the policy was truthfully and honestly purchased, and paid
for, the life insurance company needs to have the right level of respect
for you and your family. We understand that gypsy and travelers do move
around, do have fewer records regularly kept, and may work at jobs that are
not at large corporations. Many times, we see life insurance companies
giving gypsies a real hard time on any life insurance claim, especially if
the policy is more than two years old, and there have been changes of
beneficiaries or owners.

Many life insurance companies have actual bias against gypsies and think
that all gypsy life insurance claims are on fake policies. These life
insurance companies are determined to not pay. They will conduct endless
investigations. They will not stop demanding documents, that regular
people don’t have, and asking questions, that regular people don’t know the
answers. The life insurance companies have a lot of lawyers and
investigators working against gypsy cases. But if the policy is
legitimate, the truth was told, and the person has passed away, we make the
life insurance company pay. We are not here to judge you–we are here to
make the life insurance company pay.

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 canceled 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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Transamerica Life Insurance Company – Claim Denial Is Their Plan!

Transamerica Life Insurance Company – Claim Denial Is Their Plan!

Transamerica Life Insurance Company will often utilize “rescission” or the “rescind” legal defense to keep from paying you any life insurance policy benefits, even though you paid all that was owed on the life insurance policy.  Additionally, if the life insurance policy was purchased less than 2 years before the tragic loss of your loved one (known as the contestability period), the life insurance provider and their lawyers will investigate the application and every possible medical record looking for any way to keep from paying you – with Transamerica Life Insurance Company, claim denial is their plan.

Transamerica will investigate the life insurance application (for all term life, whole life, and accidental death policies), and scrutinize the health condition of the insured in such detail it will feel like you are accused of a crime.

Do You Know What “Rescission” Is?

Here’s an in-depth look at this severe and often times “bad faith” tactic that Life Insurance Companies will use to avoid paying you. The insurer will cancel the policy, claiming it was you who has lied and misled them – and that the now “voided” policy has never even existed due to your actions.

“Misrepresentation” is another card the Life Insurance Company will play – and just like Rescission, the goal is to avoid paying a dime of the Life Insurance Policy benefits.

The Insurer’s Goal Is To Find Any Sliver Of  What Can Be Seen As“Misrepresentation” On The Life Insurance Application.

Transamerica life insurance company often claims that the insured was a smoker, even though they were not.  Another favored defense is to get medical records from 6, 7, even 8 years before the application was filled out, records that even the insured has never seen, to claim that the person suffered from some medical condition they never told to Transamerica.

And just with those accusations, Transamerica will not pay the life insurance benefit, based on misrepresentation, even on bigger policies of $500,000 or more.  The beneficiaries need the right, and experienced life insurance attorney to help fight Transamerica, and get these insurance contract claims paid.

Here’s just a random review from almost 200 reviews on the website:

“My disgusting saga with TransAmerica began in August 2019. My Elderly parent has a life Insurance policy with TA. I have faxed information, paid a great chunk of money sending certified and registered mail, repeatedly; only for these no count representatives to lie and say they have no record of receiving any of the mail or of our request. They have illegally blocked us from accessing forms from their online website; and every other violation that can be done over the phone, all while they faithfully collect premiums every month without fail…”

You need to know, too, that Transamerica has teams of very competent lawyers already working for the life insurance company.  These lawyers are experienced and know the Transamerica claim denial playbook by memory. Do you want to go up against them on your own?

Transamerica Lawyers Will Leave No Stone Unturned To Find Supporting Evidence To Not Pay The Benefits Claim.

We have had numerous battles with the Transamerica lawyers, and we also know their playbook, and which facts are important or not to use to win your claim.

You need experienced, tough life insurance lawyers like us on your team, to lead the fight against any unjustified Transamerica life insurance company claim denial and rescission on your life insurance claim.

When An Insurance Company Reviews Claims For Death Benefits, They Have A Duty To Act In Good Faith.

When an insurance company fails to act in such a manner, the beneficiary of the life insurance policy benefits may be able to file a civil lawsuit against the insurance carrier for the value of the life insurance benefits that were wrongfully denied.

Don’t Make The Mistake Of Fighting Transamerica Alone

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. We are experts in life insurance law.

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 directly, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer for a free consultation.   We are the best life insurance lawyers you will find, and we are experienced lawyers, not a lawyer referral service or “middleman”, we are here for you NOW.

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Don’t Wait On Your Life Insurance Company!

Don’t Wait On Your Life Insurance Company!

Life Insurance Companies need someone to Push Them to pay benefits. Getting your claim paid will take action – just Don’t Wait on your Life Insurance Company!

We talk to many nice people who unfortunately made one big mistake: they waited for the life insurance company act in their best interest. Guess what the Life Insurance Company’s goal is? To NOT pay you!

We always tell people that a life insurance company can pay benefits very quickly and easily.  The company can pay as soon as they have proof that the policy premium was paid, and that the insured really did pass away.  Everything else a life insurance company does, instead of paying the benefits right away, is not in your interests.

When a life insurance company takes too long to pay, they are looking for a way to not pay the benefits.

Even though the “nice” claims handler says they are working on their “investigation” so they can pay you, they are not.  The life insurance company is looking for a way to avoid paying anything to anyone – especially if they have used the term Rescission.

The Life Insurance Company doesn’t want you to have an experienced lawyer!

Why? Because we know the games and tricks they play, and we won’t fall for them. Only if they are pushed by a tough, knowledgeable lawyer, will they know they are out of time, and have to pay you NOW.

  • On policies that were sold more than two years before a person passes away, the life insurance company will be looking to cancel (rescind) the policy.
  • If the benefits have been transferred or there is a change of beneficiary designation, the life insurance company will also be looking for a way to void the policy.

Has your life insurance company kept your claim open for months, or a year, after your loved one passed away?

The waiting game is exactly what they want to do – to drag the process out so long that you will just give up.

Most people don’t know that we are available to help get their policies paid.  Most people believe that they can rely on the life insurance company, and trust them to follow the applicable law.  The reality is different.  There is too much money involved for the life insurance company to not try everything and anything to avoid payment.

Too many people work without an experienced lawyer, and don’t call us until it may be too late.

By giving the life insurance company unlimited time and the ability to construct some mistaken or false narrative, you and your loved ones are less likely to ever get the policy benefits that you deserve. 

Don’t wait another day hoping for a life insurance company to make a decision for your benefit. You need an experienced lawyer 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.

Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 for a free consultation 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 here for you NOW.