We Win...BIG
- - Over $250 MILLION recovered from life insurance claims for our clients.
- - Low fee.
- - Fast results.
The Center for Life Insurance Disputes represents insurance beneficiaries throughout the United States focusing solely on LIFE INSURANCE claims, ACCIDENTAL DEATH claims and CRITICAL ILLNESS claims.
For over 30 years we’ve been resolving the toughest, most challenging death claim matters in the United States getting our clients the money they’re owed. We take the fight directly to the insurance company, saving our clients lots of money and precious time.
Our Promise to Our Clients
Whether you have a new claim or a denied claim most people know they need help going against a big life insurance company that doesn’t want to pay unless they have to. As a beneficiary you need someone working just for you who knows what it takes to get death claims paid.
Our fee is ultra-low: Only 10%.
No retainer or hourly fees ever.
If we don’t win you owe us nothing.
Fast results.
Our Area of Specialization
We don’t do everything. We do one thing. We get claims paid to beneficiaries from life insurance, accidental death and critical illness insurance policies. We’re specialists. We have the experience, knowledge, skill, and resources necessary to thoroughly investigate any life insurance claim, accidental death claim or critical illness claim and find the best way to get it paid.
We accept cases involving:
- Denied life insurance claims
- Denied accidental death claims
- Foreign death claims
- Beneficiary disputes
- Death claims and divorce
- Suicide in life insurance claims
- Suicide in accidental death claims
- Drug Overdose
- Critical Illness claim payouts
- Critical Illness Claims
Life Insurance Claims Denied for:
- Cancer
- High Blood Pressure
- Drunk Driving
- PTSD
- Anemia
- COPD
- Sleep Apnea
- Diabetes
- Depression
How Can We Help You?
File a New Claim
We’re the ONLY firm that will actually prepare your insurance claim and file it with the insurer. We don’t stop there though. We work with the Claims Examiner, Underwriter and Legal Dept. throughout the process to make sure they stay honest and fully understand every aspect of the evidence that supports the approval and payment of your claim. No other firm offers this service because no other firm knows how.
Fight a Denied Life Insurance Claim
We’ve won every conceivable type of life insurance claim denial from suicide to divorce to criminal history to medical history and missed premium payments. Fighting a denied life insurance claim requires not only knowing how claims are examined but also the processes of how policies are issued. That can only come from direct industry experience. We have it and we use it to take our appeals directly to insurers to get denials overturned and death claims paid. This approach, that we’ve been using for 30 years, saves our clients a lot of money in fees and gets their claims paid quickly.
Accidental Death Claim
These are the most difficult claims to get paid because every accidental death policy has a list of “exclusions” that helps the insurer deny claims. We don’t let that happen. We’ve worked on some of the most difficult accidental death claims and won. It requires doing a complete and thorough investigation, uncovering every possible piece of evidence that will get the claim paid, and acting in the claimant’s best interest – not the insurers. That’s us.
Critical Illness Claim
We’ve monitored and been a part of the Critical Illness industry since it started. The biggest challenge to these claims is not qualifying for a benefit, it’s getting a fair offer. Offers are always based on a “calculation” of several elements stacked in favor of the insurer. They make the claim calculation so confusing people can’t even understand them. Instead of accepting the insurer’s assumptions we fight back with medical facts and policy obligations. We get maximum money paid to our clients from Critical Illness claims.
We're nationally recognized life insurance claims specialists.
The Claim services we provide are extensive and specific to our client’s needs. We examine claims and determine what has to be done to get them paid. Then we take action.
Our firm will file claims, do medical records reviews, examine autopsy results, offer medical opinions, get proper authority to release medical information, give expert opinions, appeal denied claims, calculate claim offers, and many additional efforts.
We have more life insurance claim experience than any other firm and we know exactly what facts and evidence are needed to get insurers to pay. We’ve recovered more than $250 million from claims that were at first denied. We can do the same for you. We’re here to help.
Center for Life Insurance Disputes
The Center for Life Insurance Disputes was borne out of several experiences whereby life insurance beneficiaries were wrongly being denied death claim money intended for them by deceased loved ones. The insurance companies were only looking for reasons to deny claims. At the time, the only choice these people had was to engage in a lengthy and stressful lawsuit or accept the insurers’ decision.
Stephen C. Burgess merged his insurance industry experience with an extensive legal background and from it came a better solution: find all the reasons why a claim should be paid, present it directly to the insurance company, keep clients out of lawsuits and put money into their pocket quickly.
Now, instead of filing lawsuits, paying huge attorney fees and waiting years for a meager settlement, the beneficiaries of claims have a better, faster and less expensive option for full recovery of life insurance claims, accidental death claims and critical illness claims.
The Center for Life Insurance Disputes represents clients throughout the United States and consists of a team of the very most qualified medical, investigative and insurance professionals working for one common goal – to get our client’s insurance claims paid.
Meet Our Team
What our clients say about us.
Frequently Asked Questions
Navigating a life insurance claim can be overwhelming—especially when it’s been delayed or denied. Our FAQ section answers the most common questions about our process, fees, timelines, and how we get claims paid quickly without going to court. Get the clarity you need to move forward with confidence.
Have additional questions? We're here to help!
Our fee is only 10% of the claim amount, which is much lower than the typical fees charged by attorneys (usually around 40%). Additionally, we do not charge any upfront fees. You only pay if we successfully recover your claim.
No, if we are unable to recover your claim, you don’t pay anything. We work on a contingency basis, meaning our fee is contingent upon winning your case. If we don't win, you owe us nothing.
While some people hire a lawyer for life insurance claims, a lawyer may not always be the best option. CFLIDspecializes in handling life insurance claims and appeals denied claims directly with the insurance companies, often with quicker and more cost-effective results than a lawyer. We focus exclusively on getting your claim paid.
On average, life insurance claims we handle are paid within 90 days. We expedite the process by working directly with the insurance companies to resolve any issues and push for a quick payout.
Appealing a denied life insurance claim involves reviewing the denial reason, gathering supporting documentation, and then filing an appeal with the insurance company. At CFLID, we handle the entire appeals process for you, ensuring all necessary steps are taken to get your claim paid.
A contestable life insurance claim is one where the insurance company challenges the claim, typically within the first two years of the policy. They may argue that certain conditions (like suicide or misrepresentation on the policy application) invalidate the claim. We specialize in fighting contestable claims and work to ensure you get the payout you deserve.
Yes, you can appeal a denied life insurance claim. Many claims are initially denied, but that doesn’t mean the decision is final. CFLID has extensive experience handling appeals and can help you gather the necessary evidence and file the appeal to ensure your claim gets re-evaluated and paid.
We're here to help.
If your life insurance claim has been delayed, denied, or feels overwhelming—you’re not alone. With over $250 million recovered for our clients, we know how to fight back and win. Complete the form below for a free consultation and let us show you how we can help get your claim paid—quickly, fairly, and without the stress of a lawsuit.