Des Moines Life Insurance Claim Attorneys
When a family member passes away, life insurance benefits can provide beneficiaries with the monetary compensation to pay for final expenses and keep the family afloat without the deceased’s financial support. When you pay hefty premiums to a life insurance company, you expect that the insurance company will do right by you and pay these benefits right away. Unfortunately, this is not always the case.
Life insurance companies often deny coverage for various reasons, making life more difficult for families who are already dealing with the tragic loss of their loved one. Most insurance companies make a profit by collecting premiums and not paying out on policies. Some insurers may participate in illegal or illegitimate practices to delay or deny payment to policyholders. Insurance companies employ large teams of lawyers to ensure that payment is denied or that policyholders will accept minimal settlements for their claim.
If you have been delayed or denied payment on a life insurance claim, contact our Des Moines life insurance attorneys at LaMarca Law Group, P.C.. Call at (515) 225-2600 for a free initial consultation to discuss your legal options.
How a Life Insurance Claim Lawyer Can Help
If a life insurance company can avoid paying out on policies with some plausible excuse, they won’t hesitate to reject your claim. Their goal is to maintain hefty profits by collecting insurance premiums by denying claims or offering a policyholder a fraction of the compensation that they are entitled to.
If this happens to you, consulting with a life insurance claim attorney is essential. You may have to file a lawsuit to get the payment you deserve. An experienced attorney representing beneficiaries can litigate in both state and federal court to obtain appropriate settlements for their clients. An attorney can also help appeal an insurance company’s decision.
Why Choose Us?
The Iowa attorneys at LaMarca Law Group, P.C. have years of experience assisting clients with insurance claims, including life insurance. Our experienced lawyers are prepared to help clients with legal matters involving both delayed and denied life insurance claims. Our primary goal is protecting your rights, whether you are a policyholder or a beneficiary. We have successfully recovered money for our clients and we are fully prepared to go to court if we cannot negotiate a settlement from an insurance company right away.
At LaMarca Law Group, P.C., we pride ourselves on providing individualized, personal attention to every client we take on. We never use a cookie-cutter approach, and instead take the time to understand the nuances of your particular case to find the best legal strategy for you. Our dedication and success has allowed us to garner numerous prestigious awards, including being consistently named among the country’s Best Law Firms.
Life Insurance Denial Cases We Handle
Many clients have questions about why their life insurance claim was denied and if the insurer had a valid reason for the rejection. Every life insurance case is different, but there are some common reasons the insurance company may cite.
If the insured dies within a specific time frame (usually two years following the issuance of the insurance policy) the insurance company may employ manipulative tactics or practices to justify denying or delaying payment of a life insurance claim. Although state laws can limit some exclusions, insurance companies may use certain words or terms in an ambiguous manner to justify denying a claim.
We handle life insurance cases where the claim is denied for the following reason(s):
- Denial due to a policy exclusion
- Failure to pay premiums or lapse in coverage
- Failure to reinstate policies
- Failure to provide complete information on the application
- Misrepresentation on the life insurance application
- Denial for failure to provide an insurability form
- Denial due to employer error
- Denial due to a policy termination
- Denial due to an employment status change
- Denial due to a conversion of a policy
- Denial due to alcohol or drug use
- Denial due to an accidental death
- Denial due to suicide
- Denial due to an assumption of death because the insured is missing
- Denial due to death in a foreign land
Every life insurance claim is unique, which is why it is important to consult with experienced life insurance attorneys. We can review the facts of your specific case and advise you about your specific situation.
Contact our Life Insurance Claims Lawyers Today
If you have wrongly been denied payment on a life insurance policy, or your payments have been delayed, you need our skilled and dedicated insurance claim lawyers on your side. The attorneys at LaMarca Law Group, P.C. can help you receive monetary compensation after the loss of a loved one. We serve clients in Des Moines and throughout Iowa. Contact us at (515) 225-2600 for a free consultation today.