Kadetskaya Law Firm represented a beneficiary who sought payment of a life insurance policy after his sister died. The insured’s daughter contested the designation and claimed that the designation was based on fraudulent documents.
Kadetskaya Law Firm represented children of an insured who was covered under a group life insurance policy. The children came to us after unsuccessfully trying to obtain payment from the insurance company. The clients’ parents were divorced and, as part of the divorce, their father was ordered by court to maintain his employer-provided life insurance coverage and name his two children as sole beneficiaries on the policy.
Our client lost her ex husband who was insured under a group policy through his employer at the time of his death. He maintained his ex spouse, our client, as the sole beneficiary on his group life insurance policy. However, the insurance company denied her claim in part because of her status as the ex spouse.
The insured purchased a life insurance policy with the set monthly premium payments for the first 10 years. In the 11th year, the premium increased significantly. The insured diligently paid all premiums that were due for 10 years. In the 11th year, when the increased premium was due, the insured was gravely ill and did not remember about the payment increase. The insurer did not send any notices to him about the increase and the insured’s online life insurance account showed no changes in the premium.
Our client contacted our law firm for help after her life insurance claim had been delayed for several months. The insured in this case died in a foreign country, and the insurance company began a lengthy foreign death investigation. Generally, if the insured person dies abroad, the insurance company investigates every detail surrounding the death. In this case, the investigators travelled to the country where the death occurred, interviewed local authorities, questioned witnesses and examined death records. Needless to say, our client was bombarded with unreasonable demands for a lot of information, documents, records, etc. This added a lot of stress to our client, who was at the time grieving the death of her parent.
Our client was the surviving widow of the insured who suddenly died of a heart attack. At the time of his death, the insured had a group life insurance policy in the amount of $150,000 which was available to him through his employer. The policy had been in effect for less than two years and, therefore, the insurance company started a contestability investigation.