We are experienced Illinois attorneys who help people fight for payment of life insurance benefits. If you’d like a free consultation, please call us any time at 312-346-5320.

We thought it would be helpful to provide some tips on working with a life insurance attorney and how to win a case. So in no particular order:

• The cases that we and the attorneys we recommend get involved with focus on situations where a person passes away, and the life insurance company doesn’t pay out the owed benefits in a timely manner.
• Sometimes they give you an outright denial, other times they just blow you off or don’t respond. Another common tactic is to state that the case is under investigation, but not really provide you information as to what they are investigating or communicate updates.
• We are looking to talk to people who have either received a denial or filed a claim more than 30 days ago without a response.
• These cases are handled on a contingency basis which means there is no fee unless a recovery is made.
• The first thing an attorney will want to do is see a copy of the policy to see what possible exclusions for paying out exist. For example, some policies state that if there is a drug overdose then no benefits will be owed.
• We will need to know the cause of death and be able to have access to medical records.
• Accidental death policy cases are very similar, but as the name states, typically involves a payout for an accidental death like a car accident.
• The good news on these cases is that they tend to resolve very quickly. We settled one case for $2 million within months of first talking to the client. That was not at all unusual as the facts were on our side.
• We will help people with any size life insurance denial case.
• It doesn’t matter where in Illinois you are. We help everywhere in Illinois and you won’t have to travel.
• A common question we get is “how could they deny my benefits?” The answer is that insurance companies are ruthless and to them this is all business. Their hope is that they will frustrate you enough to go away and they can save the money that they owe.
• Because of how insurance companies act, we usually file a lawsuit within the first couple of weeks. Being aggressive is how you win these cases.

If you want to discuss hiring an attorney or just have questions, please get in touch any time. All calls are free and confidential.