Life

Wrongfully Denied Life Insurance Claims

Life insurance protects the family of the insured if he or she should die prematurely. Beneficiaries use life insurance proceeds to pay for things like college tuition, mortgage balances, and funeral expenses. Businesses also purchase life insurance for key personnel. It allows them to replace experienced executives more easily, reducing disruption to the business. Many other employees are often able to purchase low cost life insurance through their employer. In all cases, the goal of life insurance is to provide funds to replace the economic losses created by the death of the insured. Beneficiaries seldom expect to become involved in a life insurance dispute instead.

Tactics used by life insurance companies to deny claims

The insurance company can deny the claim entirely, delay payment, or fail to pay in full. It may have developed complex premium payment schemes designed to trick policyholders into paying more than they owed or receiving less insurance than promised. It may engage in post-claim underwriting and deny the claim alleging a pre-existing uncovered condition. It may charge that mistakes were made in completing the original application and deny the claim. If you believe that any of these things have happened to you after submitting a life insurance claim, contact an experienced insurance bad faith attorney.

If the life insurance policy was purchased as part of an employee benefits package and the insured was laid off, the insurance company may balk at paying. If the beneficiary was the spouse, and the couple divorced before the death, there may be complications. Our lawyers can explain your rights and options in life insurance disputes like these.

Experienced insurance bad faith attorneys

At Surrano Law Offices in Phoenix, our lawyers have more than 25 years of combined experience helping insureds and beneficiaries handle life insurance disputes and death benefit denials. We help families and others collect the benefits denied them by the insurance company. Usually these beneficiaries are families grieving over the death of a loved one. They often have no idea where to turn and are in no position to fight the insurance company. Contact us at (602) 264-1077 if you are having a dispute with a life insurance company.We can help.

Serving clients throughout Arizona and the United States with insurance bad faith lawsuits