Sometimes an insurer gets it wrong and they pay a death claim to the wrong life insurance beneficiary. What can you do if you want to challenge the beneficiary of a life insurance policy? If you know in advance they’re going to pay the wrong person you can stop it and get it paid correctly. […]

Don’t Let Divorce Jeopardize Your Life Insurance Payout – Expert Guidance for Beneficiaries Divorce brings significant changes to every aspect of your life, including your financial future. What many people overlook is how divorce profoundly impacts life insurance policies and who receives the death benefit. If you’re an ex-spouse or a current spouse facing a […]

Life Insurance Claims Denied When Insurers Fail to Send Lapse Notices – Beneficiaries Beware The State of California has filed a lawsuit against Transamerica Life Insurance Company, American General Life Insurance Company, Lincoln Benefit Life Insurance Company, Everlake Life Insurance Company and other life insurers for failing to comply with State Anti-Lapse regulations — Insurers […]

Over the course of 30 years of representing the beneficiaries of life insurance claims and hundreds of life insurance lawsuits I’ve seen a lot of life insurance claims fraud carried out by people who seem to always think they’ve planned the perfect crime. I’m no longer surprised at how creative people are when they’re committing […]

The Wrong Life Insurance Beneficiary – What To Do Sometimes an insurer gets it wrong and they pay a death claim to the wrong life insurance beneficiary. What can you do if you want to challenge the beneficiary of a life insurance policy? If you know in advance they’re going to pay the wrong person […]

There’s a wide-spread rumor in the life insurance industry that between 97% and 99% of all term life policies lapse before paying a claim. Our 2026 In-Depth Life Insurance Claim Denial Reports confirm these industry statistics. Whether it’s 99% or 97% or even 75%, those are big numbers. It’s one thing if those lapses are […]

We’ve written a lot about death claims denied for single-health problems such as cancer or depression alone. But more often, we see claims denied where the insured had multiple health conditions. Here we look at one claim we successfully appealed in which the insured had both diabetes and high blood pressure and how Diabetes & […]

Variable Life Insurance Variable life insurance is unique for many reasons. It can have fluctuating value, a fluctuating death benefit, a flexible premium, multiple fees embedded in the policy, it’s a security, and because the cash value can fluctuate in both upward or downward directions one day the cash value may be below the lapse-trigger […]

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 […]