Our client came to us for help with her delayed life insurance claim. She was the sole beneficiary of her fiancé’s policy. The policy was less than two years old when her fiancé tragically died in an accident. As with any policy that is less than two years old, the insurance company started a contestability check. Contestability investigation is a standard procedure in cases where the insured dies within the first two years of the policy’s effective date. The insurer usually checks the decedent’s medical, employment and criminal records to make sure no misrepresentation was made on the application. Such investigation may take a long time in cases where the beneficiary is not a family member and cannot sign proper authorizations for records release. Such claims may be delayed indefinitely if not handled properly.
Soon after her fiancé’s death, our client filed a life insurance claim and complied with all the requests the insurance company made. However, no payment was made after 6 months. She contacted us for assistance. Our life insurance attorney who worked on the case reviewed all the records and worked with the insurance company’s legal department to expedite the payment. Our life insurance law firm professionally and aggressively handled this delay which resulted in a prompt payment of the claim. The claim was paid within 30 days from the time the client retained us.
At our law firm, we know what insurance companies look for when they contest policies. When we work on your claim that is in review, we handle all the correspondence and communications with the insurance company directly. When your claim is delayed for more than 30 days, contact our life insurance lawyers for a free consultation.