Your life insurance claim was denied. Do you need a life insurance lawyer?
No, you don’t need a life insurance attorney to get your money from a denied life insurance claim. There are effective alternatives to lawsuits and litigation for appealing a death claim. We’ve recovered more than $250 million for our clients from denied life insurance claims with no legal fees, no Court appearances and no partial settlements. Just fast results.
An Effective, Low-Cost Alternative to Hiring a Life Insurance Lawyer
You do not need a lawyer to overturn a denied life insurance claim. Utilizing a prominent life insurance claim expert to handle a formal Administrative Appeal is a highly effective alternative to litigation. This specialized approach forces the insurer to pay out without the stress, high contingency fees, and multi-year delays of a lawsuit. By choosing an Administrative Appeal over Court, beneficiaries benefit from massive cost savings, a significantly faster time to financial recovery, and specialized industry knowledge that traditional attorneys often lack.
Four Benefits of a Direct Appeal versus a Lawsuit for a Denied Life Insurance Claim Appeal
#1. Bypasses litigation.
#2. Substantial cost savings.
#3. Accelerated recovery time.
#4. Valuable industry insight.
The death claim specialists at The Center for Life Insurance Disputes represent beneficiaries in matters where insurance companies will not pay benefits on a policy, and we do so without lawsuits, legal fees or years waiting to get your money.
While one option for fighting a denied death claim is to file a lawsuit only to have to pay your attorney 33% of a settlement, you also have the option of representation by The Center in which our fee is only 10% and we get claims fully paid in just a few weeks.
The Center will do a full investigation of your claim, build a comprehensive claim package, employ our own medical and insurance experts, determine what will get your claim paid and submit detailed appeals to the insurer. We deal directly with the insurer’s Claims and Legal departments to save time, money and stress for our clients. This effective approach has resulted in over $250 million of death benefits being paid to our clients from claims that were first denied.
Why You Don’t Need a Lawyer to Appeal Life Insurance Claim Denials
-
Insurers want to resolve claims directly, not engage in lawsuits.
-
Legal fees are expensive. Lawyers take 40% or more.
-
Lawsuits are too slow. 18 – 24 months is too long to wait.
-
Results are too limited. Attorneys push for mediation settlements – not the entire claim.
-
97% of lawsuits settle for less than the claim amount.
The primary alternative to hiring a life insurance lawyer is filing a formal administrative appeal through a claim expert.
The Center for Life Insurance Disputes Can Get Your Claim Paid In-Full. Fast. No Partial Settlements or Legal Fees.
One thing many people don’t realize when they begin a lawsuit is that many lawsuits end with a settlement between the plaintiff and the defendant. A settlement in a life insurance lawsuit, is when the insurer offers to pay some amount of money instead of going into Court. The US legal system encourages settlements.
The disappointment for these claim victims is that settlements are typically much less than the actual death benefit of the policy. A 50% settlement is a common amount. So, your $1 million life insurance claim only gets you $500,000 from a settlement.
We don’t negotiate settlements. Our clients get 100% of the full amount of the policy benefits.
You Don’t Need to Pay Attorney Fees
We never charge an up-front fee. Up-front legal fees are called retainers. If your death claim is large enough, a life insurance lawyer won’t ask you for a retainer. If your claim is small, they will want you to pay a retainer before they’ll accept you as a client. Our retainer is $0.00 (zero dollars).
In addition to a retainer, a life insurance lawyer will want a percentage of the amount of the money you receive. The national standard attorney fee is 33.3%.
Our standard fee is only 10%.
We recover denied and delayed life insurance claims quickly and at a fraction of the cost of hiring a life insurance attorney.
If you file a lawsuit to collect your denied life insurance claim, the matter will probably settle for 50% of the claim amount. From that settlement, you’ll pay your lawyer 33.3%. So, from a $1 million claim, you’ll end-up with about $340,000.
A better alterative is to engage the Center for Life Insurance Disputes. Then, your $1 million claim will pay $1 million. After our fee you’ll have $900,000.
The Average Life Insurance Lawsuit will Take 18 – 36 Months to Settle. A Direct Administrative Appeal Takes Only 3 Months
When you file a lawsuit you’ll be at the mercy of the Court calendar and lawyers schedules. There’s a series of steps that have to happen during a lawsuit and each step is allotted time by the Court. But not days or weeks. Months of time are allowed for each party to gather documents and respond to requests for information. If an “event” gets in the way, the judge can extend the time.
Your life insurance lawyer should explain this and inform you to expect 18 to 36 months before your lawsuit concludes.
Why wait years to receive your money?
We act immediately. Our efforts aren’t subject to Court schedules, legal etiquettes, or other people’s schedules. Our average claim is resolved and paid in full, in just a few months.
Read our free Guide: 10 Questions to Ask Before You Hire a Life Insurance Attorney.
Make a Direct Death Claim Appeal
Instead of filing a lawsuit and making a hostile argument with the insurer, the experts at The Center for Life Insurance Disputes will perform a complete investigation of your claim, do an underwriting audit, build a comprehensive claims package, and properly submit the detailed appeals to the insurer.
We demonstrate why the original decision was wrong and how, with the complete set of facts, the claim must be paid. This way of handling claims has yielded over $250 million to our clients.
It’s a little known fact that many life insurance attorneys hire Stephen C. Burgess to work behind the scenes to investigate why a claim was denied and to handle the new claim research of the case for them.
Don’t Accept a Denied Claim Decision
It is not a requirement that when you have a life insurance dispute it has to be handled by a lawyer and a lawsuit is the only option. We’re successful because we know the claims process and rather than create a hostile situation with the insurer by filing a lawsuit, we work with the insurance company to resolve the claim and get it paid without a lawsuit — everyone wins.
In many cases a life insurance company may deny a claim due to misrepresentation of material information, such as inaccuracies or omission of information supplied by the applicant. The insurance company may also deny the claim by determining a different cause of death than that provided on the death certificate, one that the policy does not cover.
There are many reasons a life insurance claim may be denied. But an insurer will always accept and consider new and relevant facts. Our experts know what those facts are. And, we know how to appeal denied life insurance claims and win.
Are Life Insurance Claim Denials Common?
Yes, many life insurance claims get denied. Common Reasons for Claim Denials include:
- Misstatements about the insured’s health history.
- Inaccurate financial information on an application.
- Suicide.
- Drug overdose.
- Unverifiable Death records
Bloomberg and Reuters, among other major news sources, have reported on life insurance companies not paying on a policy. In the article, “Accidental Death Becomes Suicide When Insurers Dodge Payouts”, Bloomberg reported, “life insurers have found myriad ways to delay and deny paying death benefits to families, civil court cases across the U.S.” (Read Bloomberg article 1).
In 2009, Reuters reported that after Heath Ledger’s death, the $10 million life insurance policy claim was denied. His death was ruled as an accidental overdose by the medical examiner; however, the insurance company determined it a suicide in order to evade payment to the beneficiary, his 3 year old daughter.
A dispute against the insurance company was filed and a settlement was negotiated.
The Center for Life Insurance Disputes is the best option to getting your life insurance claim paid.
We offer free consultations to all beneficiaries.
Contact Us: 888-428-4868
About The Center for Life Insurance Disputes
The Center for Life Insurance Disputes has over 30 years of experience in dealing with life insurance claims and complaints — and a proven track record of recovering money for our clients.
We help those who have suffered damages due to life insurance fraud, scams, denial of death benefits, or other types of bad faith practices by protecting the best interest of the clients.
The Center for Life Insurance Disputes gives the victims and insurance companies an opportunity to address issues without courtrooms and expensive lawyers.
Our client’s problems are resolved quickly and at a fraction of the cost of hiring an attorney. While a lawsuit may take years to resolve, this process can settle claims for clients in a matter of just a few months.
Read About Some of the Many Claims We’ve Gotten Paid:
Serving all US cities including: Atlanta, Austin, Baltimore, Birmingham, Boston, Charleston, Charlotte, Chicago, Dallas, Denver, Houston, Las Vegas, Los Angeles, Louisville, Miami, Minneapolis, Nashville, New York, Newark, Orlando, Philadelphia, Phoenix, Portland, Sacramento, San Antonio, San Diego, San Francisco, San Jose, Seattle, Syracuse, Tampa, Tallahassee, Washington DC.
