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Life Insurance Lawyer

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Navigating the loss of life can be a devastating emotional blow. You should be able to process the death of a loved one in your own way without having to worry about insurance claims, your financial future, or the viability of your business.

Big insurance companies are intimidating. Working with a life insurance lawyer who will have your back during this sensitive time is essential to your success. 

Enter: Tighe P.A. Our lawyers will advocate for your life insurance benefits against insurance companies who try to deny your claims or withhold what’s rightfully yours.

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Why Choose Tighe P.A.

At Tighe P.A., we lead with compassion and empathy as we work tirelessly to ensure that beneficiaries get what they deserve from their life insurance claims. We’re a preeminent insurance law firm that goes to bat for you so that you can focus on rebuilding your life after a loss.

How We’ll Fight for You

Our life insurance lawyers have overturned thousands of underpaid or denied insurance claims and created successful settlements. Working with us means you’ll get hands-on attorneys who will investigate your options and walk you through the claims process every step of the way.

Cases We Help With

Our team of experienced life insurance lawyers will help you navigate disputes, denials, and delays so that you can focus on yourself and healing.

Life Insurance Disputes

If the policyholder’s loss of life occurred while participating in illegal activity, the insurance company could dispute the life insurance claim. The policyholder may have died while driving under the influence, trespassing on private property, or other legal activity, which can lead the insurer to contest the claim.

Life Insurance Delays

Insurance companies can use a number of tactics to delay payment, like saying the death was the result of a self-inflicted injury, claiming the policyholder misrepresented the information on their initial policy, or retroactively canceling the policy to buy time to find evidence to contest the claim.

Our life insurance lawyers can spot strategies to delay payments from a mile away and are prepared to use our legal resources to advocate for you to get the settlement you’re owed.

 

Life Insurance Denials

How life insurance policies are processed is unique to each insurance company, which means that there may be contingencies within the policy that void the coverage you’re due. A life insurance policy can be denied for several reasons, including:

  • Late payments: A claim can be rejected if the policyholder failed to pay or made late premium payments.
  • Material misrepresentation: If the policyholder misrepresented their health, financial situation, or immigration status on the initial policy, the entire agreement could be void. 
  • Contestable circumstances: Your claim could be denied if the circumstances of the policyholder’s death fall outside of the life insurance coverage. 
  • Incorrect documentation: If you do not properly file your claim with the correct documentation, the claim could be denied.

 

At Tighe P.A., we’ll thoroughly review your policy and coverage to help you build your case to appeal a denied claim.

 

What Can You Expect from Your Life Insurance Claim Lawyer?

At Tighe P.A., our life insurance claim lawyers will:

  • Analyze your policy to determine your coverage and any possible exclusions
  • Investigate denials and communication with insurers 
  • Proceed with litigation in court if the insurer is being dishonest or unreasonable
  • Negotiate on your behalf to get you the payout you deserve
  • Maintain open contact with you so that you’re always in the loop

 

Insurance companies often have entire legal departments dedicated to making them money at your expense. That means you’ll need an attorney in your corner who knows the common strategies companies use to avoid paying life insurance beneficiaries.

How Much Does a Life Insurance Lawyer Cost?

We take on life insurance cases on a contingency basis, which means you don’t pay us anything if we lose your case. The insurance company may cover our contingency fees and costs if we win.

Our priority is getting you what you’re rightfully owed during one of the most emotionally draining times of your life.

The key is that you get quality legal representation with no out of pocket costs to you, win or lose.  

What Life Insurance Companies Can We Handle Claim Disputes Against?

Our life insurance lawyers have gone up against all kinds of insurance companies, from smaller ones to well-known heavy hitters. Our streamlined approach makes it easy for you to book a legal consultation so that we can help you understand your options and support you through the claims process.

Where Do We Handle Life Insurance Claims?

We’re based in Florida, but our attorneys handle life insurance claims nationwide.

Life Insurance FAQs

Yes, you can appeal a denied life insurance claim. Make sure you keep all documentation related to your claim, including communication between you and the insurer. That way, your lawyer can investigate the exact reason for the denial and your options to contest that decision.

If your insurance company violates or fails to meet the terms of the life insurance policy, you can seek legal recourse and sue. An insurer must be held accountable if they’re negligent or not acting in good faith to uphold the policy agreement.

You can dispute a life insurance beneficiary after the policyholder’s death. If the policyholder did not properly update their policy following major life events like marriage, having or adopting children, or divorce, you could dispute who the beneficiary should be in court.

A life insurance claim can be rejected for several reasons, including late payments, misrepresentation on the initial policy, if the circumstances of death fall outside the bounds of coverage, and incorrect documentation.

Yes. If your insurance company is dragging their feet on paying out your claim, you can sue them for unreasonable delay or negligence.

Insurance companies often refuse to pay on lapsed policies because they’re not obligated to fulfill a claim if the policyholder misses or doesn’t make premium payments. Every case is unique, so it’s important to work with an experienced life insurance attorney who will assess your policy to determine your options.

After filing your claim, the insurance company typically has 30-60 days to pay the life insurance beneficiary. That deadline can vary from state to state and may be delayed if there are disputes or denials.

If the life insurance policyholder lists multiple beneficiaries, they can choose how much each party receives when they die. Sometimes, the policyholder will name a trusted advisor to divide the life insurance payments equally between all beneficiaries.

No, a life insurance beneficiary cannot be changed after the policyholder’s death. That said, if the policyholder failed to properly update their beneficiaries after a major life event, you could dispute the beneficiary in court.

Insurance companies cannot directly pay life insurance benefits to minors after a policyholder’s death. Instead, they’ll have to wait until a court-appointed custodian can oversee the distribution of funds, which can delay payment. To avoid delays, a policyholder can create a trust and appoint someone to handle it until the child becomes an adult and can manage it themselves.

How We Can Help

An experienced life insurance lawyer from Tighe P.A. will advocate for what’s rightfully yours against insurance companies who try to deny your claims or withhold benefits. Contact us today at 1-855-LOSS-PRO or use our intake form to book a consultation regarding your life insurance claim and benefits, and we’ll begin work on your case immediately.