Life Insurance Lawyer Serving Massachusetts

If the delay wasn’t justified, meaning, the insurance company had no good reason to hold off paying you, you might be entitled to interest on the death benefit.

You can challenge it. When you receive the denial letter from your insurer, it should also contain documents explaining how to dispute the denial with the insurance company. Call us if you need to dispute a denial of your life insurance claim — we can assist you.

Many claims that were initially denied end up being paid out by the insurer if you fight back.

A minor cannot directly receive life insurance death benefits. It’s likely a court will have to assign a conservator to manage the funds on behalf of the minor beneficiary. Regrettably, despite warnings from the court, there’s little to stop a conservator from using the funds for their own benefit.

If a policyholder wants a minor to receive the death benefit, they should set up a trust with the minor as the beneficiary and name the trust as the beneficiary of the life insurance policy. This way, they can select who will act as trustees.

You can dispute a change in the beneficiary designation if you suspect it was made fraudulently or under pressure. These cases are tough to prove, so make sure to contact an experienced life insurance beneficiary attorney for help with this.

You should dispute the denial. It’s possible to still receive pay if the lapse wasn’t the policyholder’s fault. For example, if an employer didn’t give the policyholder conversion papers or mismanaged the policy, or if the insurance company failed to send the policyholder the legally-required lapse notices.

Call our MA life insurance lawyers if your life insurance claim was denied due to lapse. We’ll investigate and strive to get you paid if it’s possible at all.

If you think a loved one had a life insurance policy but aren’t certain, you’ll have to look for evidence. Check their safe deposit box or desk drawers for clues. You can also review their recent mail for premium notices and look through bank account statements for signs of premium payments.

Absolutely not. If the beneficiary designation was changed after the policyholder’s death, that change was fraudulent. If this happened, get in touch with an experienced life insurance beneficiary attorney right away.

Yes, they can if they were supposed to be the named beneficiary for any reason and someone else was named instead. Contact us if you were supposed to be a beneficiary on a life insurance policy, but someone else was named — we can assist you.

If the main beneficiary died before the policyholder or cannot be found, the insurance company will pay the death benefit to the backup or contingent beneficiary. If the policyholder didn’t designate backup or contingent beneficiaries, the death benefit can be paid to the policyholder’s estate.