A federal appeals court ruled that an insurer cannot accept life insurance premiums for years and then deny benefits after death. If your life insurance claim was denied or delayed, call 1-888-510-2212 for a FREE consultation with a life insurance lawyer.

Life insurance claims are frequently denied after policy reinstatement based on alleged misrepresentation, DUI history, or contestability reviews. Learn how rescission works—and what to do next. Call 1-888-510-2212 for a FREE consultation with a life insurance lawyer.

Life insurance claims are often denied during the contestability period due to alleged material misrepresentation on the application. Learn what insurers look for, how mistakes happen, and what beneficiaries should do next.

A convicted murderer claimed ERISA required payment of his mother’s life insurance. Federal judges disagreed. This case explains the slayer rule and why killers cannot profit—even under ERISA.

Life insurance beneficiary forms are often completed with mistakes. This article explains when courts still enforce a beneficiary change under ERISA, even if the paperwork was imperfect.

Can an employer be liable when life insurance coverage is denied? In this case, ERISA courts held an employer responsible after enrollment and underwriting failures cost a family $314,000.

Beneficiary changes made at the end of someone’s life can raise red flags—especially when the insured was vulnerable, hospitalized, or pressured by others. In this blog, we explain when a beneficiary change can be legally challenged and share real cases where courts overturned and upheld last-minute designations. If something feels “off,” the law may be on your side.

When divorce and life insurance collide, the results can be shocking. These four real cases show how ex-spouses, new spouses, and even children battle over who gets paid — and why the beneficiary form isn’t always the final word.

Government agencies and state laws increasingly use life insurance to secure child support and protect children when a parent dies or owes arrears. Learn how federal programs and state statutes shape who receives life-insurance proceeds—and what parents must do to stay compliant.

Divorce can automatically erase a beneficiary designation — even if the insured clearly intended to leave benefits to an ex-spouse. In this case study, we show how an insurer denied a rightful claim under an automatic revocation law, and how we proved the insured’s post-divorce intent. Through evidence, sworn statements, and legal arguments, we forced the insurer to reinstate our client and pay the full benefit.

Late-stage beneficiary changes are some of the most common—and most challenged—life insurance disputes. In these three case studies, we show how beneficiary changes made during hospitalization, incapacity, and even while the insured was in a coma were proven invalid due to undue influence, lack of capacity, and fraud. Each case resulted in restoring the rightful beneficiaries.

Accidental death insurers often misapply exclusions—blaming “sickness,” drugs, or even minor traffic infractions to avoid paying claims. In these two case studies, we show how we challenged a sickness exclusion after a traumatic fall and a misdemeanor exclusion after a fatal car crash, ultimately securing full AD&D benefits for both families.

When a life insurance company denied a claim based on a “Drug Use Exclusion,” it relied solely on trace toxicology findings—ignoring the real cause of death and misinterpreting its own policy. In this case study, we show how we challenged the insurer’s assumptions, proved the exclusion didn’t apply, and secured the full benefit for our client.

When a private life insurance policy was denied for “lapse,” the insurer claimed premiums weren’t paid — but they failed to send the legally required lapse notices and annual third-party designee reminders. This case study shows how we used state lapse-protection laws to overturn the denial and recover the full $1 million benefit.

When both an ex-spouse and a current spouse claimed the same life insurance benefit, the insurer froze the payout and threatened an interpleader. In this case study, we explain how HR errors, ERISA rules, and proof of intent helped us secure the benefit for the rightful beneficiary — without litigation.

Many beneficiaries unknowingly make simple mistakes that can delay or jeopardize their life insurance claim. In this guide, you’ll learn the 7 most common errors — and how to avoid them so you can protect your rights and strengthen your claim from the start.

If your loved one’s life insurance claim was denied, you’re not alone — and you have more power than the insurance company wants you to believe. In this post, I walk you through the most important first steps and share my FREE Ultimate Checklist to help you take immediate action and protect your rights.

Employer-sponsored life insurance claims are being denied even after years of paid premiums—often due to missing proof of insurability. Recent investigations into r insurers reveal widespread violations. Learn what beneficiaries can do and how ERISA protects your rights.

What happens when a life insurance beneficiary dies before or after the insured? Our life insurance attorneys explain who gets the payout, how state and federal laws apply, and what to do when the claim is delayed or disputed. Call (888) 510-2212 for a free consultation.