The Center for Life Insurance Disputes Blog

How to File a Life Insurance Complaint With the help of the Center for Life Insurance Disputes, consumers can resolve complaints about life insurance payments and benefits and avoid costly legal fees. When you have a complaint about a life insurance transaction, there are a few different options you can use to resolve your problem: […]

Mr. Jones came to The Center for Life Insurance Disputes after his Indexed Life Insurance policy had lapsed. He had paid 5 large annual premiums, but he had also borrowed money from the policy during those 5 years. When he bought the policy his agent told him he could pay money in and borrow money […]

Contestable Death Claim Pays $12 Million. It took the life insurance company 3 years to pay the claim but perseverance by The Center for Life Insurance Disputes, and the family’s patience, finally paid off. The Center was brought in to effect a $12 million life insurance claim after the family had been unsuccessful in collecting […]

In 2007 our client submitted a death claim to the HSBC life insurance claims department. Sadly, his mother had recently passed away after suffering from medical complications. The death claim was reviewed and quickly denied. According to HSBC ‘material health information was not disclosed on the on-line application’. HSBC specifically stated in their denial letter that […]

Globe Life Insurance Company sells their life insurance policies over the internet. They ask people to fill-out an online application and even allow you to pay the premium by credit card. They make it easy to get coverage. But while this may seem efficient and easy, there are big reasons to be concerned. We are seeing […]

One of our recent concerns has been with life insurance that is sold over the internet without an agent. A benefit of agent advice is making sure the application is completed properly. Often times an applicant does not know exactly what information the insurer is looking for and mistakenly answers a question inaccurately. I’m not […]

The risks of buying life insurance on the internet There are several life insurance companies that are selling their coverage on-line. You can open a web page and apply directly with the insurer. To many there is the perception that they are saving money through this approach by cutting out the agent’s commission, but in […]

Life Insurance Contestability Clause Contestability of a life insurance policy starts the day the policy is issued and ends 2 years later. In that time period, if the insured dies, the insurance company can contest the claim and do a full investigation. The purpose of the claim investigation is for the insurer to find discrepancies […]