Life Insurance Lawyer Illinois

Our Illinois life insurance lawyers handle delayed life insurance claims, denied life insurance claims, beneficiary disputes, and interpleader lawsuits. Call us today for a free consultation. You need to call to collect!

Illinois Interpleader Law


We handle life insurance beneficiary disputes and interpleader lawsuits, and the laws are complex. Typically, the interpleader is a Federal Rule 22 Interpleader. We will fight to get you the life insurance benefits.

Call us at 800-330-2274 for a free consultation.


Settled Life Insurance Claims in Illinois
  • National Benefit life coronavirus denial $77,000.00
  • Trustmark Life felony exclusion we won $50,000.00
  • Principal Life COVID-19 denial resolved $91,000.00
  • Columbian Mutual sickness exclusion $84,000.00
  • Denied VGLI claim beneficiaries $405,250.00
  • Accidental Death & Dismemberment $900,000.00
  • Scotia Life lapse of premiums resolved $60,000.00
  • Prosperity life prescription drug denial $89,000.00
  • American Equity felony gun denial $155,000.00
  • Birla Sun emergency room visit records $67,000.00
  • Royal Neighbors Life long lapse of payment $104,000.00
  • AARP denial due to coronavirus resolved $112,000.00
  • US Financial denied life claim we won $229,000.00
  • Term Life lapse of premiums resolved $75,000.00
  • AD&D denial alcohol car crash we won $80,000.00
  • Paul Reverse material misrepresentation $67,000.00
  • United Life insurable interest issue $33,000.00
  • Manhattan Life long delay medical records $109,000.00
  • Costco Life insurance claim denied won $11,000.00
  • First National COVID-19 exclusion won $251,000.00
  • Midland National suicide exclusion $316,400.00
  • SGLI resolution of competing beneficiaries $400,000.00
  • Trans Premier material misrepresentation $281,000.00
  • Navy Federal alcohol exclusion denial $112,800.00
  • Denied life insurance claim Illinois $3,000,000.00
  • Denied FEGLI claim only took a week to win $149,000.00
  • United Republic delay of claim resolved $506,300.00
  • Family Life policy not in force allegedly $106,000.00
  • Peoria ambiguous policy language case $545,000.00
  • Illinois divorce and life insurance $720,000.00
  • Elgin no coverage at the time of death $490,000.00
  • RiverSource fentanyl exclusion case $220,000.00
  • Denied SGLI claim due to dispute $407,210.00
  • Rockford competing beneficiary claimants $605,000.00
  • Naperville accidental death and dismemberment $2,100,000.00
  • Aurora mistake on the application won $378,000.00
  • Thrivent decedent violating the law $212,100.00
  • Denied SGLI claim change of beneficiary $401,000.00
  • Inter-American delay of benefits we got $505,000.00
  • Joliet divorce court orders settlement $514,000.00
  • Illinois bad faith life insurance claim $867,000.00
  • Equitrust heroin illegal drug exclusion $125,000.00
  • Springfield alleged fraud resolved $934,000.00
  • Prudential AD&D policy accidental death $529,300.00
  • Cicero denial of benefits medical records $711,000.00
  • Denied AD&D claim due to stabbing $890,000.00
  • Mony misrepresentation at renewal $102,750.00
  • Globe denied due to foreign death $108,600.00
  • Chicago denied life insurance claim $5,000,000.00
  • Southern Farm Bureau prescription drug $273,000.00
  • Guardian Life autoerotic asphyxiation death $314,200.00
  • Illinois denied life insurance claim $1,500,000.00
  • Banner application deceptively worded $112,900.00
  • Northwestern interpleader case resolved $402,740.00

Illinois Life Insurance Law

Read about the latest 2021 life insurance law and cases in Illinois below.

Be careful when you fill out your life insurance application

It shouldn’t come as a surprise that consumers are expected to be truthful when they are filling out applications for life insurance. Indeed, life insurance companies rely greatly on such information when deciding: (a) whether to issue a policy to the applicant at all; and (b) if so, what price the premiums should be set at. After all, life insurers would never make money if they charged every person the same amount in premiums.

This makes perfect sense from a business perspective. People with significant health risks (think smokers, older individuals, or people with serious illnesses) have to pay higher premiums. This is because they are statistically more likely to die sooner than younger, healthier individuals. Given that this balance of risks is so imperative to the relationship between the life insurer and the policyholder, life insurance companies can sometimes avoid paying out policy benefits if they discover that an insured lied during the application process.

But what happens if the applicant makes a mistake in the application? How does this impact the insurer’s responsibility to pay a death benefit when that policyholder dies? One recent case provides guidance for how courts would handle that sort of situation.

Wrong age on a life insurance application

The case at hand involved a woman named Sue. Sue was a human resources executive for a large electronics manufacturer. As such, she received a generous benefit package that included life insurance policies for Sue, her husband, and any of her children (including adult children if Sue paid extra premiums).

Always a planner, Sue took out policies for the whole family. This included Sue’s 32 year-old daughter, Miranda. Miranda was recently divorced and had two small children to care for. It was Sue’s hope that the kids would receive the $350,000 death benefit if anything ever happened to their mother.

The insurance applications were not terribly detailed. They basically asked for each insured’s name, age, residence address, and some general information about smoking, drinking, and drug use. Sue filled out the application for each member of her family, and simply asked them to “sign on the bottom line” when she was done.

Sue was in a big hurry when she filled out the application forms. She also had a slight case of a condition called dyscalculia. Dyscalculia is very similar to dyslexia, except sufferers get numbers mixed up instead of letters. Sue mostly had her condition under control, but every now and again she had a slight hiccup.

It turns out that Sue may have experienced one of those hiccups when she was filling out the life insurance application for Miranda. On the line that asked for Miranda’s age, Sue wrote “23,” when in fact Miranda was 32 at the time the application was submitted. Miranda did not notice the mistake when she signed off on the application. Likewise, no one at the life insurance company noticed the mistake, even though elsewhere on the form, Sue correctly stated Miranda’s date of birth.

Thereafter, policies were issued for everyone in Sue’s family and premiums were faithfully paid.

An unexpected demise & surprising turn of events

Three years later, Miranda was killed in a tragic boating accident. The whole family was devastated. Nonetheless, Sue managed to get it together just enough to file a claim for death benefits from the life insurance company on behalf of Miranda’s children. As part of that process, Sue was required to submit a copy of Miranda’s death certificate.

Not long after the claim was submitted, Sue was shocked to receive a claim denial letter in the mail. Not only that, the insurance company filed a lawsuit asking the court to rescind the insurance policy it had issued on Miranda. In its pleadings, the life insurance company claimed the policy was based on a lie – specifically, that Miranda stated she was only 23 at the time the policy issued when, in fact, she was 32. The insurance company claimed that had it known Miranda’s true age, it never would have issued her a policy.

Faced with a lawsuit that basically accused her of fraud, Sue furiously sought out a skilled attorney. On the recommendation of a local law professor, she ended up with an attorney specializing in the wrongful denial of life insurance claims.

Fighting materiality

The attorney immediately recognized that the insurance company was simply playing one of the regular games life insurers play to avoid paying death benefits. Specifically, the company was trying to make a simple and innocuous mistake on the application into a “material misrepresentation” that justified the denial of an otherwise valid claim.

To counteract those games, the attorney made two key arguments: (1) there is not a statistically significant difference in the risk of death between 23 and 32 year-olds; and (2) given that Sue correctly put Miranda’s date of birth on the application, the insurance company had reason to know Miranda’s true age when it issued the policy.

Ultimately, the court agreed with Sue’s attorney and ordered the insurance company to pay Miranda’s children the full death benefit, plus interest. Of particular importance to the court was the fact that the insurance company collected premiums for years without ever questioning the discrepancy on the application surrounding Miranda’s true age. Only when she died did the company claim that discrepancy was material to its business.

There are a couple things to be learned from Sue’s case. First, you can never be too careful when it comes to filling out life insurance applications. Secondly, just because a life insurance company denies a claim for benefits does not mean that decision is correct.

If you are facing a similar situation with a life insurance claim denial, please call us. Contesting wrongful denials of life insurance policies is our principal focus and we would be happy to help you get the benefits your loved one intended for you.