The Center for Life Insurance Disputes
We Get Life Insurance Claims Paid
Don’t fight the insurance company alone. We deliver the payout you're owed.
Why Choose The Center for Life Insurance Disputes?
For over 30 years, we've represented beneficiaries nationwide, focusing solely on Life, Accidental Death, and Critical Illness claims. We resolve the toughest death claim matters, getting our clients the money they're owed.
We take the fight directly to the insurance company, saving you precious time and a lot of money.
- You only pay if we win. We work on a contingency basis with no upfront fees.
- We handle everything for you. We manage all claims and appeals directly with insurers, saving you time and stress.
Our Services
We Get Claims Paid For Beneficiaries From Life Insurance, Accidental Death, and Critical Illness Policies
File a New Claim
We’re the ONLY firm that prepares and files your claim, then works with the insurer throughout the process to ensure it gets approved and paid. No other firm offers this comprehensive service.
Learn more →Denied Life Insurance Claims
We’ve overturned every type of denial—from suicide to missed premiums. Our direct industry experience allows us to appeal effectively, saving you time and money.
Learn more →Denied Accidental Death Claims
These are tough, but we excel. We conduct thorough investigations to uncover evidence and fight insurer "exclusions" to win the most difficult accidental death claims.
Learn more →Critical Illness Claims
We challenge confusing and unfair payout calculations from insurers. We fight back with medical facts and policy obligations to get you the maximum money you are owed.
Learn more →Foreign Death Claims
Navigating international regulations can be complex. We specialize in handling claims for deaths occurring abroad, ensuring a smooth process and successful payout for beneficiaries worldwide.
Learn more →Beneficiary Disputes
When multiple parties claim a policy, we step in to resolve conflicts. We clarify entitlements and mediate disputes to ensure a fair and legally sound distribution of funds.
Learn more →We Also Handle a Wide Range of Complex Cases
How We Get Claims Paid
We’ve recovered more than $250 million, and we know exactly what evidence moves insurers to pay.
Review & Strategy
We assess your claim, policy, and documents to define the fastest path to payment.
Investigate & Evidence
Medical records, autopsy exams, expert opinions, and required authorizations gathered for a complete file.
File or Appeal
We work directly with Claims, Underwriting, and Legal to push through decisions and overturn denials.
Approval & Payout
We calculate offers, challenge insurer assumptions, and secure the highest fair payment.
Meet Our Team
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.
Stephen C. Burgess
CEO & Founder
Stephen C. Burgess is the founder and President of the Center for Life Insurance Disputes. Mr. Burgess brings substantial life insurance and litigation experience and is personally involved in every client’s claim. Mr. Burgess has been designated as one of only a few Life Insurance Analysts in the industry and has been admitted in Courts as a claim expert more than 200 times.
He spent 13 years as a Sale Manager and Regional Director for Penn Mutual Life Insurance Company. In his positions he was responsible for the underwriting and issuance of 1000’s of life insurance policies. His experience in both underwriting and claims has helped him become one of the foremost experts of life insurance claims in the US. He’s regularly engaged by attorneys throughout the US to offer expert opinions.
Under his direction, 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.
Learn More About Our TeamWhat Our Clients Say
We're proud to have helped countless families secure the money they're rightfully owed.
"Honestly, I didn’t expect you to be able to get my claim paid. I can’t thank you enough."
Satisfied Client
"Steve came in like a white knight after our lawyer wasted nine months. You set mom up for the rest of her life with this money. Thank you."
Grateful Family
"My husband died in a motorcycle accident at 38. I was devastated. You fought for me and our son when I needed it the most."
A Thankful Widow
Frequently Asked Questions
Get the clarity you need to move forward with confidence. Here are answers to our most common questions.
Our fee is only 10% of the claim amount, much lower than typical attorney fees (around 40%). We charge no upfront fees. You only pay if we successfully recover your claim.
No. We work on a contingency basis. If we are unable to recover your claim, you don’t pay anything. If we don’t win, you owe us nothing.
While some hire a lawyer, we specialize in handling claims directly with insurance companies, often achieving quicker, more cost-effective results. Our exclusive focus is on getting your claim paid.
On average, claims we handle are paid within 90 days. We expedite the process by working directly with insurers to resolve issues and push for a quick payout.
Appealing involves reviewing the denial, gathering documents, and filing with the insurer. We handle this entire process for you, ensuring all necessary steps are taken to get your claim re-evaluated and paid.
This is a claim challenged by the insurer, typically within the first two years of the policy, often due to alleged misrepresentation. We specialize in fighting these contestable claims to ensure you get the payout you deserve.
Yes, you can. An initial denial is not final. We have extensive experience handling appeals and will help you gather evidence and file the appeal to get your claim paid.
Ready to Secure Your Claim?
Don't face the insurance companies alone. Let our experts fight for you. Your consultation is free, and you pay nothing unless we win.
Get Your Free Consultation