What is life insurance?

Life insurance is insurance that pays a sum of money to a designated beneficiary on the death of the insured person.  Life insurance is often purchased to assist with funeral expenses and the major financial impact that the insured’s death can have.

Why won't the insurance company pay?

Life insurance companies decide not to pay life insurance policy beneficiaries for many different reasons.  Life insurance policies, like all insurance policies, contain certain terms and exclusions that insurance companies sometimes use to deny life insurance claims.  In many cases, insurance companies attempt to rescind life insurance policies based on statements made in the application.  Other times, life insurance companies refused to pay the named beneficiary and, instead try to pay life insurance proceeds into an estate.

Often, people don’t know why their life insurance claim hasn’t been paid because the insurance company has delayed payment without explanation or has not returned phone calls or e-mails.

How We Help.

We represent people who have encountered claim delay, denial, or a refusal to pay life insurance benefits to the right beneficiary.  We help you understand what the policy is designed to cover, why we think the insurance company refuses to pay, and our plan to obtain the life insurance benefits that are owed.  Sometimes life insurance issues can be resolved without litigation and sometimes we need to file a lawsuit against the life insurance company.

Sometimes, life insurance companies bring the lawsuit in the form of an interpleader action or a declaratory judgment action.  We represent people in these types of lawsuits as well.

If you have experienced issues obtaining prompt payment of a life insurance claim and would like to see if we can help you, please call Jason Herman at (813) 803-2111 or send an e-mail to schedule a time to talk.