What To Do About a Life Insurance Complaint
Were you sold a life insurance policy and now realize it is not what you thought it was supposed to be? Are you furious with the way your insurance company is treating you and want to do something about it? Did an agent show-up at your house and sell you a policy but now you suspect you weren’t told the truth? Have you been paying premiums for years and years but the insurer just notified you that your policy is about to lapse?
If you’re dealing with one of these problems or something different there are ways to deal with a life insurance complaint that can get you results. First, you need to decide what you want. Do you want to get your premiums back from the insurer? Do you want your death claim paid? Do you want your policy reinstated on its original terms?
We break things down using terms like life insurance fraud, misrepresentation, denial of death benefits, bad faith practices, agent abuse, and scams. Whatever you call the violation doesn’t matter, what matters is what you can do when you have a life insurance complaint.
I Have a Life Insurance Complaint – What Are My Options?
If you have a complaint involving life insurance fraud, misrepresentation, denial of death benefits or other bad faith practices, there are several ways to take action:
Tell Us
We specialize in resolving life insurance disputes without litigation and at a very low cost to our clients. We’ve recovered over $60 million for our clients. Instead of using a lawsuit we go directly to the insurer. Lawsuits cost everyone a lot of money and create a very adverse situation. Our method gets right to the heart of the complaint and because we have nearly 30 years of industry experience we can talk the talk of the insurer’s Legal department, Compliance, Underwriting and Claims Managers. Our idea of resolving a life insurance complaint is full payment to our client.
To get started Contact Us now.
Also, read more about the most common life insurance disputes.
Tell Others
If you’re having a problem with a life insurance policy, agent or company there are probably others who are as well. By sharing information you help protect others from falling victim in the same way. Post your Life Insurance Complaint below and let everyone know what to watch-out for.
Call your State Insurance Commissioner
The authority of the State Insurance Department is limited in many ways, but it is an option you may want to explore. Your State’s Department of Insurance has a Consumer Division which can investigate your Complaint and if they have authority to act, can get your matter resolved. One thing to be aware of however is that most matters cannot be resolved by a Department of Insurance and the insurer likely knows this already. If you do use this option for resolution the Department will contact your insurance company and ask for a response to your life insurance complaint. This service is free and available to all consumers. Here we’ve made it easy to get in touch with your State Insurance Commissioner by posting a full list of US State Offices.
Hire an attorney
You can hire an attorney to file a complaint against the insurer and its agent. Some attorneys will take a case on a contingency basis, meaning that little or no money is required up front, while others will require an up-front retainer. One thing to consider with regard to hiring an attorney is that it can be costly in the long run. Also, lawsuits that involve life insurance complaints can often take several years to resolve. Read more about the pros and cons of lawsuits.
Center for Life Insurance Disputes
We work with clients to settle policy disputes without resorting to litigation, sparing them the expense of hefty legal fees. Our costs are just a fraction of what attorneys charge to handle a life insurance complaint. And in most cases we settle cases much faster than an attorney—in as little as a few months.
The Center for Life Insurance Disputes has recovered over $60 million for our clients. If you have a life insurance complaint and would like to explore your options for recovery please contact us today to find out how we can help.