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Employees and business owners who purchase life insurance do so because other people depend on them for survival. The death benefits provided by a life insurance policy are paid to beneficiary's upon the policy holders death, and can help both dependent employees and partners stay afloat when a business owner passes away.
Term life insurance premiums can become incredibly high as a person ages, yet many insurance companies are reluctant to pay out benefits upon the policyholder's death. Denial of a life insurance claim following a loved one's death can be physically and emotionally draining. When denied benefits, families' financial futures are put in jeopardy while family members are still trying to deal with the loss.
Life insurance disputes usually occur because the plaintiff alleges the insurance company misrepresented the policy, or failed to grant benefits based on the legally binding contract. Your life insurance lawyer will attempt to show the court that your family is deserving of benefits, and that the insurance company's denial of the claim is a show of bad faith. Life insurance disputes have an added layer of complexity, as the policyholder is not around to contribute to the investigation.
Term life insurance, cash value life insurance, individual life and group life are four common types of life insurance policies.
If your loved one passed away, and your family is being denied the benefits you deserve, you need Share Lawyers on your side.
There are time limits to all life insurance coverage disputes and any delay in proceeding may be subject to a deadline. You should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.