Life Insurance Lawyer Serving Alaska & Protecting Rights

You should dispute denial of your claim. When you received the denial letter, you should have also received instructions on how to file a dispute. Many valid life insurance claims are initially denied and then paid when you fight back. Call us for help.

It is possible, if you can show that the lapse was not the fault of the policyholder. You should dispute the claim denial. Give us a call for help.

There are many instances in which lapse is not the fault of the policyholder. For example, if an employer failed to give the policyholder conversion papers or otherwise improperly administered the policy, you can still get paid the death benefits. If the life insurance company failed to send the policyholder the legally-required notices of lapse, you can still get paid. If the policyholder was eligible for disability waiver of premium and did not get it, you can still get paid. We will investigate and determine whether any of these circumstances or other mitigating circumstances are present.

Yes! There is no law preventing you from sharing the death benefit with anyone you choose. In fact, it is pretty common for a policyholder to name only one child as a beneficiary with this expectation.ce through work.

Only a policyholder has the power to change their life insurance beneficiary designation. If someone else changes their beneficiary, they have committed fraud.

If the policyholder did not update their beneficiary designation when the primary beneficiary died, the life insurance company pays the death benefit to the secondary beneficiary or the contingent beneficiary. If the policyholder did not designate secondary or contingent beneficiaries, the death benefit can pay out to the policyholder’s estate.

Unfortunately, when the death benefits pay out to the estate they become subject to the claims of the policyholder’s creditors. To avoid this, policyholders should keep their beneficiary designations current and be sure to name secondary or contingent beneficiaries.

As when the beneficiary has predeceased the policyholder, the life insurance company pays out to the policyholder’s estate.

You can dispute the beneficiary change if you suspect the change was made fraudulently or under duress. Fraudulent beneficiary change is very difficult to prove, so be sure to contact an experienced life insurance attorneys for help with litigating this.

Never! If the beneficiary designation changed after the date of the policyholder’s death, that change is fraudulent. Contact an experienced life insurance beneficiary attorney immediately for help.