Globe Life Insurance and Unfair Claim Practices
In a significant number of cases we have been presented with, Globe Life may be failing to take action to pay death claims and in many cases, is putting an undue burden on beneficiaries to prove things they are not obligated to prove.
When a life insurance claim is filed the claimant is required to provide proof of the insured’s death. It is standard language in life insurance policies, ‘We will pay the face amount of the policy upon receipt of proof of the insured’s death.’ The proof referred to is usually an original death certificate. And for the most part that is the only requirement needed for the claim proceeds to be paid (unless the policy is in the two-year contestability period).
We get concerned when we hear widespread complaints that a life insurer has a culture and practice of delaying legitimate life insurance claims — and then we see the evidence that supports it.
We accept clients with Globe Life Death Claims of $100,000.00 or larger.
The #1 reason Globe Life denies life insurance claims is because of the application question that asks,
Does the proposed insured have any chronic illness or condition which requires periodic medical care or may require future surgery?
Most people do not understand this question. They answer “No” and Globe denies their claim. A Chronic Condition is any condition of the body or mind that needs: medication, observation, therapy or that occurs more than one time. This includes:
High blood pressure, High cholesterol, COPD, Recurring pneumonia, Back problems, Sciatica, Diabetes, Auto-Immune problems, Lupus, Arthritis, Depression, Sleep problems,….
We’ve seen Globe deny claims for all of these conditions. It doesn’t matter how severe or how frequent the person was seeing a doctor. Globe is looking for reasons to deny claims that come in during the first 2 years a policy is in effect and they use this question, more than any other, to deny claims.
You must answer the application question “Yes” if you take any medications, visit a doctor for anything other than a check-up, see a therapist, have a hereditary condition, have treatment for any condition more than once per 10 years.
Getting Globe to Pay Death Claims
We know how to appeal denied life insurance claims and get insurers to pay. We’ve been doing this for 26 years with great success. Many people think they have to have an attorney to fight a life insurance claim that’s been denied, but that isn’t true. If you have the right facts and evidence, anyone can appeal a denied life insurance claim. We happen to have a lot of life insurance claim experience, so we know exactly what the “facts” and “evidence” are. And that’s how we’ve recovered more than $60 million. If you’re not sure who to trust or what to do, call us. We’ll be happy to speak with you about your claim and answer your questions – at no charge. We have experience with almost every possible claim issue and we’re sure we can help you resolve yours.
Contact us Before you File Your Death Claim
Globe Life Insurance claims and unfair claim practices. Another Globe Life Claim Approved… read more
An insurer may take action to be sure they follow proper payment procedures – like verify the identity of a claimant — but the main point is that the insurer takes action.
A life insurance policy, among other things, is a legal contract. Globe Life’s contract simply says ‘prove the insured is dead and we will pay the claim’. There are no other stipulations or requisites in the contract for a claim to be paid. So then, any other request from Globe Life, before they will pay a claim, seems to be an unnecessary delay and an unfair claim practice. Some of the delay tactics we have been alerted to include:
· Requiring proof of who paid a policy’s premiums. This is an unfair claim practice and not a legitimate reason to delay claim payment. There is no law that states one person cannot pay the premium of another person’s insurance policy.
· Requiring a published notice of death (obituary). Again, this is an unfair claim practice. A beneficiary must submit an original Death Certificate, but a claim cannot be delayed because an obituary notice is not provided.
· Failing to respond to a claimant in a reasonable amount of time. There is nothing more frustrating than an insurer simply not responding. Even with vague state laws about claim processing time, Globe appears to be going well beyond reasonable time limits.
· And one of the most suspicious habits of Globe Life’s claims department is a consistent assertion that they have not received requested documents by mail or fax. We have had complaints of the same documents being sent 2 and 3 times before Globe Life acknowledged receiving them. If we only heard about this once or twice it would not be a concern, but when we hear the same complaint repeatedly over many years, we know we have a pattern.
How to Get Your Globe Life Claim Paid
The best way for us to assure your death claim gets paid is for us to investigate the claim in the same way Globe Life does, and before the claim demand is submitted. We prepare and present a comprehensive claim analysis and file — along with the claim demand. This is how we have repeatedly obtained claim payments for our clients.
Unfair claim practices by insurance companies are not allowed under state fair business practice laws. If you have a death claim that is being unreasonably delayed, or has been denied, contact us. We have helped our clients recover millions of dollars from life insurance claims and we can help you too.
More Globe Life Claims We’ve Recovered for Our Clients:
