Insurance Dispute Claim Attorney Clayton, Raleigh, Cary & Beyond

Our Clayton Life Insurance Dispute Claim Lawyers Will Protect Your Rights

Your life can change quickly when a loved one passes away and a life insurance policy is meant to help ease the financial hardships the family of the deceased may be facing. Burial expenses, lost wages, and medical bills are just a few of the things that may start to pile up, making everything seem overwhelming. This stress can be compounded if a life insurance company is delaying or refusing to pay the benefits owed to you. The law firm of Paul Robinson Law, PLLC, has experience handling life insurance claims issues and can advise you, and handle your claim, in a manner that will place you in the best position to recover the benefits you deserve. If you are having trouble receiving your benefits, let our life insurance dispute claim lawyer in Clayton, protect your rights in court.

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Two of the most common reasons a life insurance company will deny or delay your claim are:

#1 Canceling a Policy Retroactively Due to The Last Payment Being Late

When insurance companies receive death notices, a review of the policy holder’s payment history will be performed. Insurance companies often take the position that the payment made just before the death was late and therefore the policy was cancelled, even though an insurance company may have accepted late payments over a period of many years, and even though the policy premiums may be current at the time of the policy holder’s death. This is not fair and often is a breach of the insurance contract and a violation of state law.

#2 Claiming a Material Misrepresentation on The Insurance Application

A Material Misrepresentation means an act of intentional hiding or fabrication of a material fact which, if known to the other party, could have terminated, or significantly altered the basis of a contract, deal, or transaction. Under the law, a misrepresentation on an insurance application must be significant enough that the insurance company would have denied the issuance of the policy in the first place. In other words, the policy holder did not meet the underwriting guidelines for that particular insurance company when they applied and the policy would not have been issued. A material misrepresentation is not a simple mistake about irrelevant facts, such as your hair color or an incorrect address or phone number. Material misrepresentations are those facts that would be significant to an insurance company assessing the risks of an applicant’s untimely death.

Some of the most common misrepresentations made on insurance applications are:

• Health status / pre-existing conditions
• Occupation
• Age
• Assets
• Employment history
• The use of tobacco and alcohol
• Dangerous hobbies
• Other life insurance policies

If you are being denied or delayed on the payout of benefits from a life insurance policy, let an insurance dispute attorney at Paul Robinson Law, PLLC, fight for you. We have the knowledge and experience you want negotiating  with insurance companies to make sure that you receive the financial compensation that you are owed.