Life Insurance Claims
Life Insurance is purchased by individuals in hope that their family will be protected in the event of death. All life insurance policies list a beneficiary to whom the benefits will be paid in the event of the policy holder’s death.
Although you may be feeling grief and may be reluctant to deal with an insurance company, it is important that the beneficiaries under the policy immediately inform the life insurer in order to initiate the process. In some cases, the deceased person may have multiple life insurance policies and each insurer will need to be contacted and provided with the following:
- An original or certified copy of the death certificate
- Proof of Identity of the Beneficiary
Further, it will be beneficial for the beneficiaries to develop a good understanding of each life insurance policy in order to be familiar with the benefits amounts and the manner in which benefits will be paid.
In some cases, life insurance claims can be denied by an insurance company on the basis that there has been a misrepresentation made in the application. In this situation, the insurance company will take the position that where a medical condition has not been disclosed or any other fact has been misstated, the claim will be denied.
If your life insurance claim has been denied you have the right to dispute the decision through the litigation process. Litigation can be lengthy and can add to the emotional stress of losing a loved one. A personal injury lawyer can help make this process easier on you and your family.
Van Dyke Law Office has successfully handled numerous life insurance denial claims to conclusion. If you are facing a life insurance denial, contact our Belleville office for a free consultation.
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If you have an issue related to Life Insurance Claims that you'd like to discuss at no charge with a lawyer, please contact us and we will respond promptly to discuss your options.