Insurance Disputes

DENIED A CLAIM?

Despite receiving payment of premiums year after year without ever paying out on an insurance claim, many insurance companies routinely search for ways to deny valid claims. Phillips Law Firm represents policyholders in all types of insurance disputes, including life insurance, homeowner’s insurance, business insurance, health insurance, disability insurance and automobile insurance.

Life Insurance Claim Denials

Life insurance is regarded as financial protection against losses that are incurred due to a loved one’s death. A life insurance policy is a legally binding contract between a policyholder and an insurance company. The contract provides that in the unfortunate event of the insured person’s death, the insurance company will pay a set amount of money to the insured’s beneficiaries. A life insurance policy therefore provides surviving beneficiaries with much needed financial support after a family member dies.

Unfortunately, while you are suffering a difficult time in your life after your loved one’s death, the life insurance company will be thinking of ways to deny your claim. In fact, some insurance companies will participate in illegitimate practices to deny or delay payment of life insurance claims to policyholders and beneficiaries. This is particularly true if the person dies within the policy’s contestability period. The insurance companies that employ this strategy usually claim that the person made a “material misrepresentation” on the insurance application. In order for a representation to be “material,” important facts must be left out such that the insurance company would not have issued the policy had it known all of the facts. Phillips Law Firm is routinely successful in fighting this strategy, as most alleged misrepresentations are truly not material.

Attorney Darrin M. Phillips previously held a State of Florida Life, Health and Variable Annuity license, and is well versed in life insurance law, terminology, applications, and practices.

Phillips Law Firm will represent you aggressively against your life insurance company and if they don’t agree to pay the benefits to which you are entitled, we will take them to court to ensure that they honor their obligations.