Last Updated on: November 13th, 2025
Reviewed by Kyle Wilson
Life insurance provides you financial protection after you are gone, but what happens when your life insurance company delays or denies your claim? That is the time when the insurance attorney will come and give you the help and also file a case for you. These are the legal professionals who specialise in helping the beneficiaries and policyholders to get their money they rightfully deserve from the insurance companies.
In this detailed guide we will explore what a life insurance attorney is and how much they cost, where you can find one near you and how they can help you to win your claim.
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A life insurance attorney is a lawyer who handles a dispute between policyholders and the insurance companies. The main job is to make sure that you get paid the benefits you are owed under your life insurance policy.
Sometimes insurance companies deny the claims for reasons such as missing documents, fraud or any unclear policy terms. An attorney reviews your case, interprets the policy language, gathers the evidence and negotiates or uses it on your behalf if needed.
Claim is denied or delayed hiring a life insurance claim attorney is one of the best steps you can take
You might think you can handle an insurance claim on your own but life insurance companies often have powerful legal teams who are protecting their interests. That’s why you need an attorney in situations like.
If you want a life insurance attorney and you are searching for it near you then you will find that there are so many firms across the United States who are offering the specialised services in this field.
If you hold power of attorney of life insurance, you can manage the premium payments, update the beneficiaries, or file a claim if the insured becomes unable to do so. However, once the insured person passes away, the power of attorney ends and the beneficiary rights take over.
For the more complex cases involving the state planning or the policy ownership and irrevocable life insurance trust attorney can help to set up the protection that will keep your life insurance benefit out of probate.
A life insurance claims attorney focuses specially on helping the clients when their life insurance claim has been denied, delayed or underpaid. They better understand the insurance laws, contract language and how to challenge unfair insurance companies practices.
There are so many people who think that the life insurance lawyer can cost them a lot but most of the life insurance attorneys work on the contingency fee basis. It means that you don’t have to pay anything upfront. They only get paid if you win your case or receive your claim payout; generally their fee ranges from 25% to 40% of the recovered amount.
There are some firms who can offer the free consultation to review your situation and estimate the potential outcomes before you decide to proceed with your case.
If your life insurance claim is denied, you don’t have to panic. You can still take several steps to fight.
When a life insurance company denies delays, your payment and the best step is to contact an attorney for a life insurance claim. These lawyers specialise in helping the beneficiaries to handle the disputes, appeal that deny and recover the money owed under a policy.
A power of eternal life insurance agreement gives someone the legal authority to manage a policyholder’s life insurance matters while they are alive but unable to handle their own affairs.
This legal document trusts a person that is called the agent or attorney in fact to perform the certain actions on the behalf of the policyholder.
A power of attorney can do these things
However, it is very important to understand the power of attorney and upon the death of the policyholder. After death, the named beneficiaries, not the person holding the POA have the legal right to file for the life insurance benefits.
Here is our life insurance lawyer can help you
Hiring a professional life insurance attorney will make sure that you get professional support during stressful times. They understand the complex insurance language, deadlines and tactics companies used to avoid the payout.
No matter where you are living , the right attorney will always save your time and emotional stress, increase your chances of getting a fair payout, handle all the paperwork and negotiations and provide expert advice at every stage.
Do you know where the denied or delayed life insurance claim can be very confusing especially when your family depends on that financial support. A life insurance attorney is legal who will make sure that you will receive the payout that you are entitled to.
No matter in which state you are living there are a lot of experts who specialise in resolving the dispute quickly and effectively. With free consultations and contingency based fees you can seek justice without worrying about upfront costs.
Do you need help with choosing the best life insurance plans who provide on time insurance claims? Contact Senior Burial Insurance today for a free consultation and get the support you deserve.
Most insurance lawyers do not charge any money upfront. They usually work on a no-win no fee basis. This means that they only get paid if you win your case or get your insurance money. Their fee is usually about 25% to 40% of the amount you receive. There are some lawyers who also give a free first consultation to discuss your case.
An insurance attorney is a lawyer who helps people with insurance problems. They understand the insurance laws and can help if your insurance company denies, delays or reduces your claim. In short they fight to make sure that you get the money or the benefit your insurance Policy promises.
There are four main types of life insurance like term life insurance, whole life insurance, universal life insurance and variable life insurance
If your life insurance claims get denied, you have to read the denial letter very carefully to understand why it is denied, gather the important papers and talk to the life insurance lawyer, and stay calm and act fast because there are deadlines for filing the appeals.
Senior Writer & Licensed Life Insurance Agent
Iqra is a dynamic and insightful senior writer with a passion for life insurance and financial planning. With over 8 years of hands-on experience in the insurance industry, Iqra has earned a reputation for delivering clear, actionable advice that empowers individuals to make informed decisions about their financial future. At Burial Senior Insurance, she not only excels as a licensed insurance agent but also as a trusted guide who has successfully advised over +1500 clients, helping them navigate the often complex world of life insurance and annuities. Her articles have been featured in top-tier financial publications, making her a respected voice in the industry.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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