Life Insurance Lawyer Serving Kentucky

You should contest that denial. 

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

You will have to snoop around, as there is no list of all policyholders available. 

You might search the contents of the policyholder’s safe-deposit box and desk drawers for life insurance policy documents. Also look through their recent mail for premium notices and through bank account statements for evidence of premium payments. You might also ask your loved one’s employer if they had group life insurance through work.

Of course! 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.

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

If you suspect that a beneficiary designation was changed fraudulently, contact an experienced KY life insurance attorney to help you contest that designation immediately.

If the policyholder did not update their beneficiary designation when the primary beneficiary died, the life insurance company will pay 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 be paid to the policyholder’s estate.

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

You can, 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 beneficiary attorney for help with litigating this.

No! If the beneficiary designation was changed after the date of the policyholder’s death, that change is fraudulent. Contact an experienced life insurance beneficiary attorney immediately for help.

It is possible, if you can show that the lapse was not the fault of the policyholder. You should contest the claim denial.

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, the beneficiary will still get paid. If the life insurance company failed to send the policyholder the legally-required notices of lapse, the beneficiary will still get paid. If the policyholder was eligible for disability waiver of premium and did not get it, the beneficiary will get paid.