Insurance Disputes

Life Insurance Disputes

Life insurance policyholders pay premiums for many years in order to ensure that their financial responsibilities will not be a burden on their loved ones in the event of the policyholder's death. Although most life insurance claims are resolved without any issues, problems may arise in certain cases. Some life insurance disputes arise among the beneficiaries regarding who is entitled to receive the benefits, while other cases involve breach of contract or bad faith on the part of the insurance company.

Life insurance disputes can occur when insurance companies delay or deny benefits. The insurance company may claim that there was an undisclosed preexisting injury, an improper claim application, or that the death was caused by a long-term illness or suicide. Ultimately, the insurance company may take anything stated on the application and try to turn it into a reason to rescind coverage and deny benefits. Additional causes of life insurance disputes include:

• Failure to complete a change of beneficiary in accordance with the policy's provisions
• Third-party distribution of proceeds without the surviving spouse's written consent
• Disputes regarding the policyholder's competency at the time beneficiary designations were made
• Whether or not an accident was the decedent's true cause of death

After the death of a loved one, the last thing that you and your family members should be worrying about is arguing with the life insurance company over coverage. If you believe your loved one's life insurance policy is being unfairly handled by the insurance company, contact Morgan & Morgan today. Our insurance dispute attorneys will fight to get your family the benefits to which you are entitled after the death of your loved one. For more information about your legal rights and options, fill out the Free Case Evaluation now.