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