Life Insurance Disputes
Nothing is more devastating than the loss of a family member or loved one. When someone close passes away, the emotional challenges faced by surviving family members can be overwhelming.
In addition to the emotional challenges caused by the death of a loved one, financial burdens also often arise. It is for this very reason that people purchase life insurance — to provide financial stability and relief to family members in the event of a fatal accident or illness.
A life insurance policy is a contract between the policyholder and the life insurance company. This contract provides that if the policyholder passes away, the life insurance company will pay the named beneficiaries a specified amount of money subject to relevant policy exclusions.
If you have filed a life insurance claim and your claim has been delayed or denied, we may be able to help you.
When Life Insurance Company Delays or Denies Your Claim
Like any other insurance company, life insurance companies are in business for one reason - profit. And while there is nothing wrong with trying to make an honest profit, a life insurance company owes the policyholder the benefit of the bargain upon entering into an agreement or contract with the individual policyholder. If the policyholder holds up his or her end of the bargain by timely paying the insurance premiums, the life insurance company must live up to their end of the bargain and pay the beneficiaries upon a policyholder's passing.
A life insurance company may attempt to delay or deny an insurance claim citing a material misrepresentation by the policy holder, whether alleging such misrepresentation occurred as part of the policy application or at some later time. The question of whether a misrepresentation is "material" is obviously central to the legitimacy of any delay or denial by a life insurance company. There are, of course, instances where a person's concealment of certain biographical facts may be considered a material misrepresentation (for example, policyholder denied in application for life insurance ever smoking when in fact the person smoked three packs a day for 20 years and subsequently died of lung cancer). In such instances, the life insurance company would have a legitimate reason to deny a life insurance claim.
An experienced life insurance attorney can assist you with your claim against the insurance company. Often times the question of whether a misrepresentation is material is open for debate. In such cases, we will work with you to convince the insurance company that a misrepresentation is not material and that a trial is not in either side's best interest. If these efforts should fail, however, we stand ready to make the life insurance provider pay either through settlement or jury verdict.
Help for Life Insurance Beneficiaries in Texas
If your parent, spouse, sibling or other loved one named you as a life insurance beneficiary and has passed away and your insurance company has denied your claim, contact an experienced insurance claims attorney at William A. Kendall, P.C.
Based in Dallas, Texas, we have helped hundreds of clients in insurance claims cases. Lawyer William A. Kendall, has extensive experience in insurance claims disputes and is not afraid to take on the insurance companies.
We handle most insurance claims cases on a contingency fee basis. That means we charge no fees unless we recover for you.
Contact Us
Let us put our knowledge and experience to work for you. We can handle your dispute with the insurance company so you can focus on your family and friends during this difficult time.
To schedule a no-cost appointment with attorney William A. Kendall, call 214-736-9296, or contact us by e-mail.
