Los Angeles Life Insurance Attorney

Life Insurance Claim Denied? Call (213) 798-4860.

Life insurance can serve a number of purposes. It can provide money to family members when a breadwinner dies, pay off a loan owed to a bank, pay funeral expenses, pay estate taxes, or buy out a deceased partner’s interest in a business. No matter why life insurance is purchased, when an insurance company unreasonably denies a life insurance claim, it leaves the beneficiary in a lurch that the life insurance was supposed to prevent.

Worse yet, the claim denial comes when the surviving family members are distraught over the loss of a loved one and less able to handle insurance company demands. If the insurance company’s reason for denying the life insurance claim doesn’t make sense, such as the policy lapsed for nonpayment of premiums you know were paid, or the insurance company’s argument that the deceased lied in the insurance application, you should speak to an attorney who is knowledgeable in insurance matters.

Why Choose Our L.A. Life Insurance Lawyers?

  • We’ve served California policyholders for 35+ years
  • AV Preeminent® rating for exceptional ethics and skill
  • Free initial consultation to go over your legal options
  • Proven results against even the biggest insurance companies

If your life insurance claim has been denied or delayed, call (213) 798-4860 to contact Gianelli & Morris today!

Delays in Payment of Life Insurance Benefits

At times an insurance company won’t deny a life insurance claim, but they won’t pay it either. Instead the company asks you for information that is difficult, if not impossible, to obtain. Your claim is put on hold while you try to gather the requested information. When you can’t locate the records or information, the insurance company tells you that it cannot pay the claim without it. At other times the insurance company may ask for personal records, such as tax returns, which the company intends to use to try and rescind the deceased’s life insurance coverage rather than pay the life insurance claim. It is not uncommon for a life insurance company to raise a coverage issue after a claim is submitted and leave it to you to prove them wrong before the claim is paid. However:

It is an insurance company’s obligation to promptly and reasonably investigate your claim in good faith.

If the insurance company ignores that obligation, you should contact an attorney who is experienced in life insurance disputes. With 35+ years of experience in life insurance claim disputes, the Los Angeles insurance lawyers at Gianelli & Morris are prepared to defend you rights and those of your deceased loved ones. Don’t let a legitimate life insurance claim go unpaid because you are frustrated by insurance company runarounds.

Experienced Legal Help in Los Angeles

Life insurance issues do not only involve the payment of death benefits. Disputes also arise regarding the amount of premiums necessary to keep the life insurance policy in force and the payment of dividends by mutual insurance companies. Life insurance premium and dividend amounts can make the difference in keeping a life insurance policy and avoiding coverage lapse after years of premium payments. If your life insurance premiums suddenly go up or if you are still required to make life insurance premium payments long after you were told those premiums would “vanish,” then you should contact Gianelli & Morris, attorneys who have handled these types of insurance matters for over 35 years. Do not let your insurance company unfairly profit from your lack of insurance expertise. Seek legal help before it is too late.

Call (213) 798-4860 to request your complimentary consultation with a life insurance attorney.