Interpleader: What it Means to You–Why Such an Odd Word is So Important to You Actually Receiving Your Insurance Benefits!

The sad news even after you have lost a loved one is that now you have a dispute with a family member, or ex-family member, about the rightful beneficiary or heir to the policy.   There is a former wife or husband, or grown children for a short first marriage.  Or a dispute about whether a form was sent in, or not.  But someone else says they, not you, should be the one to get the life insurance benefits.  This is a real trauma after the loss of your loved one.  Many times, the life insurance company says it wants to pay the claim, and is ready to pay the money, but the life insurance company doesn’t want to decide who to pay.

The life insurance company says if it decides, then it worries that the other person will sue it.  The life insurance company does not want to have litigation if it can avoid it.  So, the life insurance company starts litigation, of a very special and peculiar kind.  It starts an INTERPLEADER action.  You get served with a lawsuit, a complaint, that is very formal and confusing, but it says this unusual word, INTERPLEADER.

What does INTERPLEADER mean, and how does it affect you?

First thing–take this seriously.  When the life insurance company files a lawsuit that is an interpleader, it is trying to give the question of who to pay off to the Court.  If the Court decides, under the law, then the life insurance company can’t be blamed.  The Court will supervise the litigation between whomever wants to argue that they should get paid, not some other parties.  It is a lawsuit that you don’t start, but you need to win to get paid.  With us, at and, and Joseph S. Fogel as your lawyer, we will do everything we can to get you paid, as the victor in an interpleader action.

Interpleaders are done by life insurance companies when more than one person says they should be the one to receive the life insurance benefits.   Sometimes, the life insurance contract was updated to show that the new spouse, was the person who should receive the benefits.  Sometimes there could be an agreement to have some life insurance benefits for a prior spouse, or other person.  Sometimes a distant family member just gets into the mix.  Because beneficiary forms can be confusing, or not properly received, or there may be many of them—such as in a policy that has been updated a few times over the last twenty years–there can be many shades of truth and law in these situations.

We urge you to take Interpleader seriously.  This is it.  The judge is going to decide, or there is going to be a trial to decide, but one way or another, this case is going to result in someone getting the policy benefits.  If you don’t have the right lawyer, a lawyer who knows these insurance cases backwards and forwards, who is able to find and present the strongest evidence in your favor, you will lose.  You need the right, experienced lawyer, who knows the requirements in these sophisticated insurance cases.  These cases are often brought in Federal Court, to the United States District Court.  You really need a life insurance lawyer, and a life insurance attorney, who knows these cases, and you need your lawyer NOW.  There is a limited time to legally respond to an Interpleader.  At and we know how and when to respond, and we will provide the strongest response possible.  Many people mistakenly believe that if the facts they know are in their favor, that they don’t have to do anything, that the justice system will just “work.”  Wrong, and dangerously wrong.  You need to follow all the timelines and get your strong response in, to win the interpleader action.  It is very important to act NOW, to win the interpleader.  Don’t lose your right to any insurance benefits by losing the interpleader.

Contact us at without delay, by calling (888) 997-4070 and speaking with an attorney now.  We won’t shuffle you off to paralegals and assistants.  You can get your questions answered now, by a knowledgeable life insurance lawyer.  You can email us, at or use the form on this site.  You can live chat with an attorney now.    We offer a free no-cost consultation, phone consultation, and generally work on a contingency basis, so you do not have to pay anything unless we recover for your.  Whatever works best for you, we urge you to get in touch with us now, and not delay.