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Has your life insurance claim been denied? Navigating life insurance denials can be complicated and frustrating. Learn what you need to know here to be successful on your claim.

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Servicemembers Group Life Insurance: What It Is, Who Is Eligible, and Why Claims Most Often Get Denied

Posted by: Insurance | News Desk January 9, 2023
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The people who put their lives on the line to defend our nation and our freedoms deserve to be venerated for their dedication and sacrifices. Active-duty servicemembers and veterans are awarded a variety of benefits for their service, and with good cause. Unfortunately, utilization of these benefits does not always play out smoothly. Families of covered servicemembers are entitled to life insurance benefits when the insured party passes away, but in many cases claims are delayed for weeks or months if not flat-out denied. Read More

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What Can Beneficiaries Do if the Life Insurance Policy Lapses?

Posted by: Insurance | News Desk November 4, 2022
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Life insurance policies are only valuable so long as the insured continues to keep up with premium payments, which might be set up to be paid monthly, semi-annually or annually. If those payments stop, the policy is said to lapse. Once the policy lapses, it is no longer in force, and no benefits will be paid when the (formerly) insured passes on. A lapsed whole-life policy might have built up some cash value and be worth something as part of the deceased’s estate, but a lapsed term life policy is not worth anything at all. Read More

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What’s the Difference Between Social Security Disability Insurance and Long-Term Disability Insurance?

Posted by: Insurance | News Desk October 14, 2022
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People who experience some sort of physical or mental disability that keeps them from working, such as due to an accident or illness, might be able to get financial help from various insurance-based resources. If the accident or illness occurred on the job, the person is likely covered by workers’ compensation, which is a form of insurance that pays medical expenses and partial wage replacement benefits for short-term, long-term or even permanent disability. If the disability was not acquired in the course of employment, other forms of insurance can pay benefits to people who can no longer work. Read More

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Cash Value and Dividends Can Help Keep Your Life Insurance Policy From Lapsing

Posted by: Insurance | News Desk September 12, 2022
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One advantage of whole life insurance policies over term life is that they build cash value. A term policy does no such thing. It is in effect so long as you continue to pay your premiums, and if you die while covered, the policy should pay out to your beneficiaries. But if you stop paying premiums and let your term life policy lapse, the policy is canceled and you have nothing to show for all those years of premiums you paid. Read More

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