Life Insurance Disputes
Life Insurance Disputes
Wynne, Smith & Young’s Life Insurance Denials and Disputes practice provides dedicated legal representation to individuals and beneficiaries facing challenges with their life insurance claims. Attorney J. Michael Young has built a practice substantially focused on representing competing beneficiaries in life insurance interpleader lawsuits. He also fights for claims that are denied by life insurance companies. He is often referred life insurance cases by other lawyers and has spoken at legal education seminars regarding life insurance disputes.
Beneficiary Disputes
Life insurance benefits are typically paid to the beneficiary designated by the policy owner. But there may be disputes regarding the validity of a beneficiary designation, such as that it was not done by the insured, the insured lacked sufficient mental capacity, or a designation change was not accepted by the life insurance company. Divorce decrees and state community property laws may also impact the distribution of life insurance benefits. When faced with claims from competing beneficiaries, the life insurance company will file an interpleader lawsuit to have a court determine who should receive the benefits.
Denials
Sometimes, a life insurance company will simply refuse to pay a claim. The insurance company will often claim that the policy should be rescinded because of an alleged misrepresentation on the policy application. Or the insurance company may claim that the policy lapsed due to a failure to make premium payments.
Our experienced attorneys are committed to helping clients navigate the complexities of life insurance policies and fight for the benefits they rightfully deserve. Whether the denial is due to alleged misrepresentation, lapse in coverage, or policy exclusions, we are equipped to handle a wide range of disputes with tenacity and expertise.
We take a thorough and personalized approach to each case, meticulously reviewing policy details, investigating the reasons for denial, and identifying any unfair practices by the insurance company. Our team is skilled in negotiation and litigation, striving to resolve disputes efficiently and favorably for our clients. We work tirelessly to hold insurance companies accountable and ensure that beneficiaries receive the full benefits owed to them. Our goal is to alleviate the burden of a denied claim, allowing our clients to focus on what truly matters during difficult times.
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