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Life Insurance Attorney Near Me

Life Insurance Attorney Near Me

We rely on our life insurance to protect our family if something happens to us. Sadly, this reliance on life insurance companies is not always a good thing. Life insurance companies often make excuses to deny or delay valid claims, which can result in family members who are left without financial resources and security that the insurance policy should have provided.

If you have recently lost your loved one and your attempt to collect on his or her life insurance policy has been denied, you need to seek the help of an experienced life insurance attorney as soon as possible to help you collect the money that is owed to you.

Common Reasons for Denials or Delays of Life Insurance Claims

Many life insurance policies in Texas have a two-year contestable period, which means that if the insured individual dies within a two-year period of purchasing the insurance policy, the company has the right to make an investigation into the death as well as the application for insurance.

When the insurance company does this, it will search for ways to show misrepresentation in the application and use those alleged misrepresentations to deny the claim. While some denials or delays may be appropriate, insurance companies will often take advantage of the family in these situations. Other reasons for delaying or denying a claim include:

  • Pre-existing or undisclosed medical conditions that might have caused the insurer to refuse the policy if it had known about the conditions.
  • Behavior that caused the death of the insured.
  • The claim was filed too late.
  • A change of beneficiary was timed suspiciously close to the insured’s death.
  • The policy was canceled due to nonpayment.
  • Claim forms were not completed correctly.
  • The actual cause of death is in question.
  • The beneficiary is disputed.
  • Competing claims.

Bad Faith Actions

Bad faith insurance claims can happen with life insurance if the insurance company fails to act appropriately and fairly or fails to follow state laws. Examples of bad faith handling of insurance claims include:

  • Failure to process a valid claim in a timely manner.
  • Making unreasonable documentation demands.
  • Failure to conduct an accurate and thorough investigation.
  • Paying only partial benefits when full benefits should be paid.
  • Denying claims that fall within policy limits.

The things listed below are only a few samples of what may be considered bad faith insurance practices. An experienced life insurance attorney can help you understand if you have been the victim of bad faith life insurance practices.

How an Attorney Can Help

Life insurance policy language is purposely confusing and is very difficult for most people to comprehend. If you have just lost a loved one, you may be more inclined to feel intimidated by insurance company representatives and adjusters if they tell you that your coverage does not apply. They may even tell you that if you take legal action, you will only create more problems for yourself.

Do not let an insurance company intimidate or scare you. Contact the attorneys at the Law Offices of J. Price McNamara today, and let us handle negotiating with the insurance company. We will not let them deny, defend, or delay your claim. We will work to ensure that you receive the compensation that you are entitled to under your insurance policy. Call us today to schedule a consultation with a Life Insurance Attorney near you!

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