Many times an aunt or uncle or other caregiver illegally changes a beneficiary, and we can fight it. We won a $250,000.00 State Farm life insurance beneficiary dispute.
Life Insurance Beneficiary Changed by a Family Member or Friend
Many times the beneficiary is changed before death by a friend or family member, and our life insurance beneficiary dispute lawyers can fight this. The insured did not typically intend for a caretaker, family member or friend to change their beneficiary when they are on their death bed or when they have diminished mental capacity from sickness or age.
Life Insurance Claim Denied – Smoking
Since life insurance policies are typically far more expensive for smokers, people are often tempted to lie on their application about their smoking habits. This is never a good idea. Life insurance claims get denied often because an insured dies, and it is discovered that they lied on their application about their tobacco use. This occurs even if the cause of death had absolutely nothing to do with smoking. It’s important to note that in most cases, vaping – or using e-cigarettes – will classify you as a smoker for life insurance policies. This can vary from company to company, so it’s always a good idea to do your own research to find out. Our life insurance lawyers have successfully fought thousands of life insurance claims denied for smoking. We recently won a $2,200,000.00 TransAmerica life insurance claim denied for smoking.
Who Is Considered A Smoker?
This varies from company to company. Many companies will consider you a non-smoker if you haven’t smoked within the last twelve months. However, some companies require that you are tobacco-free for the last five years in order to get non-smoking rates for a life insurance policy.
If You Lie About Tobacco Use, Claims Can Be Denied
The most common reason an insurance company would deny the payout of life insurance related to tobacco use is if the insured lied about their tobacco use on the initial application. However, we can fight it. We won a $730,000.00 Pacific Life insurance claim denied for smoking.
We can fight any denied life insurance claim or beneficary dispute and win.