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Life Insurance Dispute Lawyer – Wrongful Death Life Insurance Claim Lawyers

Life Insurance Disputes and Wrongful Death Claims

At Digeorge law, life insurance claims often intersect with life insurance disputes or wrongful death claims. When a loved one passes away, beneficiaries expect life insurance policies to provide financial stability during a time of loss which may lead to various disputes. These disputes often involve contested policy details, claim denials, or disagreements among beneficiaries.

The DiGeorge Life Insurance Law Firm specializes in resolving these complex issues, ensuring that clients receive the benefits and compensation they rightfully deserve. Our approach combines thorough legal knowledge with a deep understanding of the emotional delicacy needed in such cases, offering a foundation of support and clarity for our clients.

Claim your free consultation with our life insurance dispute lawyer on our contact page.

Most Common Reasons for Life Insurance Disputes

Life insurance claim disputes arise for various reasons, each potentially complicating the payout process for beneficiaries. Common triggers for these disputes include discrepancies in the policy application, misunderstandings about policy terms, or issues related to policy renewals and premiums. Additionally, disputes may occur over the cause of death, which can directly affect the applicability of the policy depending on its terms.

These life insurance claim disputes significantly impact beneficiaries, often delaying or denying them the financial support expected at a critical time. The stress of navigating these legal challenges can compound the emotional strain of losing a loved one. Effective attorney representation is crucial in these situations to manage life insurance claim disputes efficiently and restore rightful benefits to the families affected.

Misrepresentations in the Application: The Contestability Period

The contestability period in life insurance claim disputes is a critical timeframe that typically lasts two years from the start of the policy. During this period, insurance companies have the authority to review and verify the accuracy of information provided in the life insurance policy application. If discrepancies or misrepresentations are found, insurers may have the right to deny a life insurance claim or cancel the insurance policy entirely.

Misrepresentations can range from minor errors to intentional falsehoods about medical history, lifestyle, or other significant factors that would influence the policy’s terms and premium calculations. When such inaccuracies are discovered, they can lead to a policy being voided, leaving beneficiaries without the expected financial support.

Life Insurance Policy Exclusions

Life insurance policies come with specific exclusions that determine what is not covered under the terms of the policy. Common exclusions include death from risky activities such as skydiving or racing, drug overdose, suicide within a specified period from the start of the policy, and deaths occurring in regions under travel advisories.

For example, if the insured dies while engaging in an excluded activity such as mountaineering, the claim may be denied based on this exclusion. Similarly, if the policyholder passes away in a country that was on a travel advisory list at the time of death, beneficiaries may find the life insurance claim disputed by the insurer.

Failure to Pay Insurance Premiums & Lapsed Life Insurance Policies

Failing to pay premiums on time is a common reason for life insurance policies to lapse. When a policy lapses, coverage is suspended, and no benefits are payable until the policy is reinstated, which often involves additional procedures and costs.

However, lapsed policies can sometimes be contested, especially if the lapse occurred due to misunderstandings about payment due dates, errors in billing communication, or if the policyholder was not adequately notified of pending cancellation. In such cases, legal intervention can help restore the policy or secure a payout under the original terms, depending on the specifics of the situation and the arguments presented.

Beneficiary Disputes

Disputes among beneficiaries are often triggered by unclear policy terms, perceived inequities in the distribution of benefits, or challenges to the legitimacy of the beneficiary designations. Such conflicts may arise when multiple parties claim entitlement to the benefits or when amendments to beneficiary designations are contested.

Legal resolution of beneficiary disputes involves a thorough examination of the original policy documents, any subsequent amendments, and applicable laws. Our attorneys intervene to mediate or litigate these disputes, aiming to ensure that the policyholder’s true intentions are honored and that benefits are distributed fairly and according to the legal stipulations of the policy.

Wrongful Death Life Insurance Claims

Wrongful death occurs when a person’s death results from the negligence or misconduct of another individual, company, or entity. Legally, wrongful death claims are intended to provide compensation for the surviving family members or beneficiaries who have suffered financially and emotionally from the death.

Examples of cases that qualify as wrongful death include deaths caused by medical malpractice, such as surgical errors or misdiagnosis, vehicular accidents involving negligence, work-related incidents where safety regulations were not followed, and deaths resulting from defective products. Each of these instances involves a breach of duty that directly contributes to the loss of life, thereby justifying a wrongful death claim.

Recovering Claim Benefits from Wrongful Death Claims

Filing a wrongful death claim begins with establishing the basis of the claim—that the death occurred due to another’s negligence or wrongful action. The process involves gathering and presenting evidence such as medical records, accident reports, and witness statements. Legal representation is crucial in accurately preparing and filing the necessary legal documents within the deadlines set by state laws.

Courts evaluate these claims based on the evidence of negligence or misconduct and the direct link to the cause of death. The evaluation also considers the financial and emotional impact on the survivors. Compensation might cover medical expenses incurred before death, loss of income, funeral costs, and loss of companionship.

Laws Governing Life Insurance Disputes and Denied Claims

The laws governing life insurance disputes serve to protect the rights of policyholders and beneficiaries, ensure fair practices by insurance companies, and provide a framework for resolving disagreements. These laws establish standards for policy interpretation, claims processing, and the obligations of both the insurer and the insured party. In most life insurance disputes, you can expect the following laws to be relevant

  • State insurance laws: Each state has its own set of insurance laws and regulations that govern life insurance policies and disputes. These laws may vary from state to state.
  • Contract law: Life insurance policies are contracts, and disputes are often governed by the principles of contract law, such as interpretation of policy language, breach of contract, and bad faith.
  • ERISA: If the life insurance policy is provided through an employer-sponsored plan, the Employee Retirement Income Security Act (ERISA) may apply, which is a federal law that sets minimum standards for employee benefit plans.

Our Life Insurance Lawyers Resolve Life Insurance Disputes

The DiGeorge Life Insurance Law Firm stands apart in the field of life insurance disputes and wrongful death claims due to our unique blend of experience, dedication, and understanding our attorneys possess. Our life insurance claim lawyers specialize exclusively in these areas of disputes, ensuring expert handling of even the most complex cases.

Schedule a Free Consultation With Our Life Insurance Claim Lawyers

Our team’s qualifications are supported by a robust track record of successfully resolved disputes and claims. Our life insurance lawyers have secured significant settlements and jury verdicts, reflecting our capability and commitment to achieving the best possible outcomes for our clients. At DiGeorge Life Insurance Law Firm our lawyers prioritize clear communication, thorough case analysis, and aggressive representation tailored to each client’s specific circumstances and needs.

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Find Answers to Frequently Asked Questions

How Much Does it Cost to Hire a Life Insurance Lawyer

At DiGeorge Life Insurance Law Firm, we understand the financial and emotional strain of a denied life insurance claim. That’s why we offer our legal services on a contingency fee basis, meaning you won’t pay any legal fees unless we successfully recover a settlement for you.

There are no upfront costs to start your case, and you will never receive a bill from us. If we don’t win your case, you don’t owe us anything.

To get started, simply fill out our secure online form for a complimentary case review with a life insurance lawyer, or call our office at (800) 391-9692 to schedule your free consultation.

Can a Life Insurance Policy be Disputed?

Yes, a life insurance policy can be disputed. Disputes may arise when the insurance company denies or delays payment of the death benefit, or when there are disagreements between beneficiaries. Common reasons for disputes include questions about the cause of death, material misrepresentation on the policy application, or the death occurring during the contestability period.

It’s possible to dispute or contest a life insurance policy, but doing so often requires a legal court process. Given the complexity of the dispute process, it is highly recommended to hire an experienced attorney specializing in life insurance disputes to help navigate the legal system and protect your rights as a beneficiary or policyholder.

How to Dispute a Life Insurance Denial?

To dispute a life insurance denial, review the denial letter to understand the reasons for the denial. Gather supporting evidence and submit a written appeal to the insurance company. If the appeal is unsuccessful, consult an experienced life insurance attorney to help navigate the legal process and fight for your rights as a beneficiary.

What Is It Called When an Insurance Company Refuses to Pay a Claim?

When an insurance company refuses to pay a claim, it is called a claim denial or a denied claim. The insurance company may deny a claim for various reasons, such as the death being due to an excluded cause, material misrepresentation on the policy application, or the death occurring during the contestability period.

In some cases, the insurer’s refusal to pay a legitimate claim or failure to investigate and process a claim within a reasonable timeframe may constitute bad faith insurance. Bad faith insurance refers to an insurer’s attempt to renege on its obligations to its clients, which can result in legal action against the insurance company.

The DiGeorge Life Insurance Law Firm Advantage

DiGeorge Life Insurance Law Firm excels in representing clients whose life insurance claims have been denied due to policy lapses. Our attorneys possess a deep understanding of the complexities involved in these cases and are committed to conducting thorough investigations and advocating fiercely on behalf of our clients.

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No Recovery, No Fee

Our contingent fee structure means we are as invested in your success as you are; we only succeed when you do.

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National Recognition

Known across the country for our success in life insurance recovery, our reputation speaks for itself.

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Millions Recovered

Our team has recovered millions of dollars for our clients after receiving life insurance benefits denied or delayed.

Facing a Life Insurance Claim Dispute?

Our life insurance lawyers help you receive the life insurance benefits owed to you, despite what the insurance company may say.

There is never any risk or out-of-pocket cost to you.