It took the life insurance company 3 years to pay the claim but our perseverance, and the family’s patience, finally paid off. The Center for Life Insurance Disputes was brought in on a $12 million life insurance claim after the family had been unsuccessful in collecting the claim for over 2 years. The family followed the standard procedure of submitting their claim to the insurer without professional representation. The insurer did an interview with the next of kin, got the HIPPA form signed and then stalled the claim for no apparent reason.

The family hired an attorney, but the attorney did not have industry knowledge and could only resort to threats against the insurer. Insurance companies are rarely affected by legal threats. What insurers fear most is paying a life insurance claim that should not have been paid. In this case the insurer was being especially careful because of the size of the claim.

The Center for Life Insurance Disputes identified the issues of the claim and began our own investigation. We obtained information that the insurer needed but did not know was available. We worked with the legal department on a daily basis for 6 months. Finally the insurer was satisfied that they would be correct in paying the claim and no future lawsuits were possible.

Most of the claims we work on get paid much faster than this claim, but it reconfirms our advice to anyone with a life insurance death claim. Do not file the claim alone. Get us involved at the beginning of the claim so you have expert representation on your side.