Life Insurance Lawyer Mississippi

Our Mississippi life insurance lawyers are here to help.

What happens if a life insurance policy is not in force upon the time of death, and can a lawyer fight it?
If a life insurance policy is not in force at the time of death, the policyholder's beneficiaries will not be eligible to receive a death benefit payout from the insurance company. This may happen if the policyholder failed to pay the premiums on time, if the policy was canceled, or if it lapsed for any other reason.

In some cases, a lawyer may be able to fight for the payment of the death benefit if there are legal grounds to do so. For example, if the policyholder was misled or given inaccurate information by the insurance company, or if the policy lapsed due to an error on the part of the insurance company, a lawyer may be able to negotiate a settlement or file a lawsuit on behalf of the beneficiaries.

However, it's important to note that the specific circumstances of each case will determine whether or not legal action is appropriate, and the outcome of any legal proceedings will depend on the evidence presented and the interpretation of applicable laws and policies. If you believe that a life insurance policy has been wrongly denied or canceled, you should consult with a lawyer who specializes in insurance law to discuss your options.

You need to call to collect! Call us at 800-330-2274 for a free consultation.

Life Insurance Beneficiary Rules and Disputes Mississippi

2023-2024 Life Insurance Claims in Mississippi Recently Settled

  • Oxford life sickness exclusion won $22,000.00
  • Family Heritage intoxication exclusion $130,000.00
  • USAA coronavirus denial resolved $108,000.00
  • Progressive Life COVID-19 denial we won $75,000.00
  • AFBA Life lapse of policy overturned $40,000.00
  • Physician's Mutual Life exclusions $280,000.00
  • Accidental Death & Dismemberment alcohol $750,000.00
  • New Era competing beneficiaries after change $130,000.00
  • Summit National interpleader lawsuit won $55,000.00
  • American Memerial power of attorney change $112,000.00
  • Mass shooting death denied claim resolved $78,000.00
  • Genworth dispute beneficiaries interpleader $250,000.00
  • Mid Continental self-inflicted injury exclusion won $50,000.00
  • American General sickness exclusion resolved $412,500.00
  • Denied Life insurance claim due to COVID-19 $503,100.00
  • First National suicide exclusion we overcame $30,400.00
  • Primerica autoerotic asphyxiation death $308,000.00
  • Denied SGLI claim change of beneficiary $401,210.00
  • Denial of life benefits due to coronavirus $313,900.00
  • Kentucky Central Life sickness exclusion $545,000.00
  • Monumental prescription drug exclusion $104,200.00
  • Mississippi denied life insurance claim $1,450,000.00
  • Denied FEGLI claim settled quickly for client $173,000.00
  • American Fidelity material misrepresentation $209,000.00
  • SGLI issue with competing beneficiaries $400,000.00
  • Mississippi life insurance and divorce $500,000.00
  • Denied AD&D claim due to suicide won $883,000.00
  • Colonial Life policy lapse and other issue $301,750.00
  • Lincoln Heritage alcohol came up on report $204,000.00
  • Denial of Accidental Death & Dismemberment $289,400.00
  • Denied life insurance claim Mississippi $671,450.00
  • HSBC spouse and ex-spouse dispute $300,000.00
  • Metropolitan felony exclusion issue $230,000.00
  • Reliance Standard big delay of payment $109,000.00

Interpleader Lawyer Mississippi

Mississippi Life Insurance Law

Most people have a loose understanding of the interplay between life insurance and suicide. Generally speaking, a person cannot obtain a life insurance policy with a large death payout then kill themselves in an effort to get a windfall for their surviving beneficiaries. Indeed, nearly all life insurance policies contain a suicide exclusion for at least the first two years of the policy.

Unfortunately, life insurance companies grasp onto the suicide exclusion as an excuse to deny perfectly valid claims. In fact, life insurance companies can decide – simply for purposes of the policy – that a death was due to suicide even when the authorities reach a different result.

They do this because denying claims is big business for life insurers. They don’t generate profits by simply paying out on every claim that is submitted. To the contrary, they make the most money when they collect premiums then come up with excuses to deny claims. Indeed, life insurance companies keep plenty of attorneys on the payroll whose sole job is to come up with reasons to deny valid claims.

Such was the case with one family who suffered an unfortunate loss while vacationing in the Grand Canyon. This article explores their fateful plight, the battle they raged against the insurance company, and the way they finally managed to get the life insurance payout their patriarch intended for them.

A family vacation gone terribly wrong

In the fall of 2015, the Jones family set out on a trip that would be shared by literally thousands of other Americans that year. Specifically, they decided to hike the Grand Canyon. Steve Jones and his wife Alice believed that their two children, ages 13 and 15, were finally old enough to handle the trip and to thoroughly enjoy it.

The family started the eight mile descent into the canyon at approximately 8 am. Steve was particularly giddy that morning because he had just purchased his first smartphone and was excited to document the entire trip through a series of photographs and videos that he would take with his phone. In fact, for his 45th birthday two weeks earlier, Alice had bought Steve a “selfie stick” that would allow him to take self-portraits at greater than an arm’s length distance.

About half-way down the trail, the family stopped to marvel at all the splendor of the canyon from a particularly precarious perch. While the rest of the family was hesitant to approach the edge, Steve decided it was a perfect place to take a selfie. He told the family he wanted the shot to look like he was floating on air in the middle of the canyon. Other tourists on the trail that day would later recount how happy and carefree Steve seemed to be in that moment.

Unfortunately, as Steve positioned himself for the perfect shot, he took one step too far toward the edge. In an instant, he lost his footing and, to the great horror of his family and other tourists, fell to his death in the canyon below. In a heartbeat, the Jones family was without a father.

An infuriating life insurance claim denial

When Steve died, Alice was not only overwhelmed with grief, but also with intense fear. Steve, a physician, had been the family’s only wage earner. In fact, Alice hadn’t had employment outside the home since Steve graduated from medical school some twenty years earlier. The only saving grace, as far as Alice could tell, was that Steve had taken out a life insurance policy naming her the sole beneficiary. The policy had a $1 million death benefit with a $3 million rider that would kick in if Steve were to die in an accident. Alice was positive that policy would keep her family from financial ruin while she got back on her feet.

Alice thus submitted a claim to the life insurance company. As required, she also submitted a copy of the police report regarding the incident, the coroner’s report, and a death certificate. Each listed the cause of death as an “accidental fall.” The police report described the incident in great detail and contained several witness statements regarding Steve’s positive attitude just before the fall.

Nonetheless, some four weeks later, Alice received a claim denial letter in the mail. According to the life insurance company, Steve’s death was a suicide. The insurer concluded from all of the claim paperwork that Steve had voluntarily jumped from the ledge and that, consequently, the suicide exclusion of his policy prevented a payout.

Alice was enraged. Having been married to Steve for nearly a quarter century, she knew how happy and carefree her husband was. She knew that the day of his death was one of his happiest. She was not going to take the claim denial lying down.

Alice contacted an attorney who specializes in the wrongful denial of life insurance claims. She provided him with the policy, her claim submission, and the denial letter. After careful consideration, the attorney could see the insurance company’s denial was just a ruse.

Alice formally retained the attorney and allowed him to handle all further communications with the insurance company. In fact, the attorney doggedly pursued the administrative appeal process offered by the insurance company. He not only provided additional witness statements about Steve’s state of mind that day, but also produced Steve’s personal journal which described how happy and content he was with his life. Importantly, the attorney also threatened to file a suit for, among other things, bad faith denial of claim if the insurance company did not reverse its decision.

Life Insurance Contestability Period Mississippi

Jackson life insurance lawyer

Gulfport life insurance lawyer

Southaven life insurance lawyer

Hattiesburg life insurance lawyer

Biloxi life insurance lawyer

That did the trick. In light of the overwhelming evidence that Steve was not depressed or suicidal, the insurance company agreed to pay the claim in full. This case simply reiterates how important it is to hire a specialized attorney if you are facing a life insurance claim denial. In fact, if you’re experiencing similar circumstances, please don’t hesitate to give us a call.