Filing a life insurance claim after a loved one’s death can feel overwhelming. Learn the exact steps to submit a claim, which documents you need, how payouts work, and what to do if your claim is delayed or denied. Our life insurance lawyers explain how to protect your rights and recover the benefits you're owed.

Understanding spousal rights to life insurance can be confusing. This guide explains whether a husband or wife can override the named beneficiary, how community property states treat life insurance proceeds, and when to involve a life insurance attorney to protect your rights.

Contesting a life insurance beneficiary is more common than most families realize. Disputes can arise from divorce, fraud, undue influence, improper beneficiary changes, or surviving spouse rights under elective share laws. This guide explains when and how a beneficiary can be challenged—and why hiring an experienced life insurance lawyer is critical to protecting your claim and securing the payout you’re entitled to.

Life insurance payouts can be confusing, especially when insurers delay or deny valid claims. Learn how payouts really work, how long they take, who gets the money, and what steps to take if you’re facing a delayed or denied claim. Get clear guidance from experienced life insurance attorneys.

Life insurance claims involving suicide are complex and often delayed or denied because of suicide clauses, contestability rules, and alleged misrepresentation. This guide explains when life insurance pays for suicidal death, how physician-assisted suicide is treated, how overdose-related deaths are evaluated, and what to do if the insurer denies your claim.

Understanding life insurance beneficiary rights after a divorce is complicated. Whether an ex-spouse can still collect life insurance depends on state laws, federal laws, ERISA, and the divorce decree. This guide—written by an experienced life insurance lawyer—explains revocation-on-divorce statutes, military and federal rules, and how ex-spouses can protect their rights to life insurance benefits.

Life insurance beneficiaries have important legal rights, including access to policy information, reasons for delays, explanations for denials, and the ability to review the insurer’s evidence. Learn what protections you have and how a life insurance lawyer can help recover denied or delayed benefits.

When your employment ends, your group life insurance coverage usually does too — but federal and state laws often give you the right to “convert” that policy into an individual one. In this guide, our life insurance attorneys explain how conversion rights work, the deadlines you must meet, and what to do if an insurer wrongfully denies a conversion claim. If you need help protecting your coverage or appealing a denial, our firm is here to assist.

Accidental death claims are frequently denied under the “felony exclusion,” a clause insurers use to argue that the insured was committing a felony at the time of death. But many denials are based on misinterpretations, weak evidence, or assumptions that do not meet the legal standard. In this guide, our life insurance lawyers break down what the felony exclusion actually requires, common mistakes insurers make, and the steps you can take to appeal a wrongful denial.

When a servicemember dies without naming a beneficiary, SGLI benefits must be paid according to a strict federal “order of precedence.” But conflicting records, former spouses, and outdated military forms often cause competing claims and wrongful denials. In this guide, our military life insurance lawyers explain how SGLI beneficiary disputes arise and what families can do to secure the benefits they are legally entitled to.

AD&D claims are often unfairly denied when insurers rely on a broad “sickness exclusion,” even when an accident was the true cause of death. Learn how sickness exclusions work, why insurance companies misuse them, and how a life insurance attorney can challenge a wrongful denial.