Why You Need a Life Insurance Attorney

A life insurance attorney can be an important asset when you try to recover denied benefits. After denying a claim, the insurance company has very little reason to talk to you unless you have a life insurance attorney to assist your case. Experienced life insurance attorneys can mean the difference between a denied claim and distribution of benefits.

Why You Need Insurance Lawyer

After denying a claim, the insurance company will consider your case to be closed. Without a life insurance lawyer threatening appropriate legal action, the insurance company will not be inclined to work with you. If a life insurance lawyer writes a letter to the insurance company threatening legal action, then the insurance company will take notice of your situation.

What a Life Insurance Attorney can Do For You

Using a life insurance attorney can be beneficial for many reasons. If you are going to pursue getting your benefit, a lawyer would be able to help you do the following:

• Manage a denied claim – When your life insurance claim is denied, an experienced attorney can help you determine if you are entitled to the payout, and work with the insurance company to get you the benefit you are owed.
• Handle or negotiate any contested settlement – If you are in a dispute with the life insurance company about the amount the policy should payout, a life insurance attorney can investigate the claim, determine what you are owed, and work to negotiate a claim settlement
• Defend a contested claim – If your life insurance benefit is being contested by the insurance company or another party, a life insurance attorney would be able to investigate any objections being used to deny your claim for benefits.
• File a lawsuit– In the event that the insurance company denies your claim, a life insurance lawyer would be able to represent you in court and fight for the benefits that you are owed.

TIP: If you contest a denied life insurance claim, you can bet that the insurance company has a team of legal experts to defend the decision. You should not go up against a team of lawyers without your own legal assistance.

A life insurance attorney can help you understand the often complicated process of working through life insurance law, and help level the playing field against well represented insurance companies should you need to pursue legal action. Most life insurance attorneys offer free consultations, so do not hesitate to reach out to one if you think you have a legitimate legal question.

Click here to contact a life insurance lawyer today that can help you navigate your life insurance problems. Consultations are usually free, and attorneys work on a contingency basis, so talking with one could be the best free advice you have received in a long while!

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Case Studies: The Importance of Having a Life Insurance Attorney

Case Study 1: Successful Benefit Recovery

John’s family faced financial hardship after the unexpected passing of their breadwinner. However, when they filed a life insurance claim to secure the death benefit, the insurance company denied it, citing a technicality in the policy. Feeling helpless, John’s family decided to seek the expertise of a life insurance attorney.

The attorney thoroughly reviewed the policy, identified errors in the insurance company’s denial, and drafted a compelling legal letter threatening legal action. Faced with the possibility of a lawsuit, the insurance company reevaluated the claim and eventually approved the benefit, providing much-needed financial support to John’s grieving family.

Case Study 2: Navigating Complex Legal Process

Lisa’s husband had a life insurance policy that she believed would offer financial security after his passing. However, when she submitted the claim, the insurance company delayed processing and provided ambiguous explanations for the delay. Uncertain about her rights and feeling overwhelmed, Lisa decided to consult a life insurance attorney.

The attorney guided her through the intricate legal process, communicated with the insurance company on her behalf, and demanded a prompt resolution. With the attorney’s assistance, Lisa received the life insurance benefit, giving her the peace of mind she needed during such a challenging time.

Case Study 3: Leveling the Playing Field

After Robert’s father passed away, he discovered that the insurance company was unwilling to pay the full life insurance benefit due to an alleged non-disclosure in the policy application. Frustrated by the company’s refusal, Robert sought help from a life insurance attorney.

The attorney meticulously examined the policy application and argued that any alleged non-disclosure was not material to the insurance company’s risk assessment. Additionally, the attorney demonstrated that the company’s investigation was flawed. As a result of the attorney’s expertise, the insurance company reconsidered its decision and paid the full life insurance benefit to Robert.