Even though insurance companies are required to conduct prompt claim investigations, life insurers (as well as property, health and other insurers) frequently delay claims for months or even years as a matter of course. Insurance companies next strategy is to reduce liability by making low-ball offers to settle claims.
If a claim is being wrongfully delayed or denied, the insurance company often refuses to explain its reasoning or gives incorrect reasoning or issues correspondence designed to deter you from legally pursuing the case hoping that you will just give up on the claim…which many do. It is estimated that as much as 60% of all life insurance is never paid out.
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