Life Insurance Claims – Philadelphia Attorneys

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Life Insurance Claims Attorney Philadelphia

Your loved one died, and soon your realize that funerals are expensive. Somehow, death is not the end when it comes to money. It does not end your debts. For a proper burial, you have to pay thousands of dollars for a coffin, a plot, and the funeral itself. A life insurance policy takes the weight off your loved one. That is the intention, anyway. Sometimes, insurance companies sneak in ways to weasel your grieving family out of money. They are a business. Businesses look for cost-saving tactics. Keep that in mind if your insurance company denies your claim.

We at Freundlich & Littman, LLC are your life insurance claims attorneys. When your insurance company fails your family, we are here to help you pick up the pieces. We battle insurance companies for our clients. We know how to get them to respond to property insurance claims. Death is hard. Collecting on a life insurance policy should not.

The Process Of Life Insurance

A policyholder (the deceased) takes out a life insurance policy for themselves. On the policy, they must name a beneficiary or beneficiaries. Those beneficiaries handle the life insurance policies once the policyholder passes away.

Life insurance policies are not subject to probate. Probate is the process by which a court determines the estate of a deceased. The law determined that life insurance policyholders formed a contract with the insurance company. Contracts are not subject to probate. This is why beneficiaries deal with insurance companies rather than executors of an estate.

Divorce And Life Insurance

A final divorce decree is usually sweeping. This means that a decree removes a former spouse as a beneficiary of a will. A will is not the same as a life insurance policy. A policyholder must remove their previous spouse from their policy. A divorce decree does not erase a spouse. Remember to change your beneficiary or your old spouse could receive the money instead of a current spouse.

Life Insurance Policies

A final divorce decree is usually sweeping. This means that a decree removes a former spouse as a beneficiary of a will. A will is not the same as a life insurance policy. A policyholder must remove their previous spouse from their policy. A divorce decree does not erase a spouse. Remember to change your beneficiary or your old spouse could receive the money instead of a current spouse.

  • Term: Term life insurance is not what people normally think of when it comes to life insurance. Typically, people think of the permanent life insurance. While permanent life insurance sticks with you during your entire life, term life insurance is not meant for that. Term life insurance covers temporary periods in someone’s life. Basically, if you have a sudden illness that came out of nowhere, you may fear the worst. In that case, you may be able to get term life insurance in case that worst actually happens.
  • Whole life: The next type of insurance is permanent life insurance. This type of insurance is what most people think about. When you are younger, you may take out a life insurance policy. This policy will cover you in the case of your death from the date that the policy began until the day you die. You never lose the insurance unless you fail to pay the premiums or somehow you break the contract.

Lodging A Life Insurance Claim

After a loved one dies, contact the insurance company to lodge your claim. The insurance company, with luck, will process the claim without difficulty. If not, then immediately contact a life insurance claim lawyer.
There are common reasons why a life insurance company denies claims, including:

  • Type of death not covered in policy (typically suicide)
  • The death occurred within the “contestability” phase: this means that you died too soon. It allows the insurance company to investigate the death. Insurance companies assume that a terminally ill person lied on their application in order to get insurance coverage. It could just be a coincidence. Still, insurance companies will deny first and interrogate later. This is the time to hire an attorney.
  • Failure to disclose important facts
  • Faillure to meet terms under the policy (typically unpaid premiums.

What If The Insurance Company Will Not Pay?

If your insurance company denies your claim, you have options. After a denial, you should immediately seek legal counsel. It may be just a something small which caused the denial of benefits like an error in the paperwork. It further helps to have legal representation.

Life Insurance Claims Lawyers

If your life insurance company denied your claim, contact us right away. We are life claims attorneys who service the greater Philadelphia area. Insurance companies can take a few weeks to process your claim from start to finish. If you need to lodge an appeal against your insurance company, contact us.

Contact us today at (215) 545-8500 or info@FreundlichandLittman.com for a free consultation and case evaluation.

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