Life Insurance Claims

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 & 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.