Best Life Insurance Lawyers in United States

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Finley Law
Des Moines, United States

Founded in 2011
23 people in their team
English
Our FirmDecades of successful representation and counseling.We pride ourselves on our long-standing and enduring connection to Iowaโ€™s business and health care communities.Our practice involves all aspects of representation and counseling. Several of our lawyers specialize in defending...
Parker, Heitz & Cosgrove, PLLC
Billings, United States

Founded in 1986
5 people in their team
English
What are we (About our Firm)Parker, Heitz & Cosgrove largely handles trials and litigation in state and federal court in Montana.OUR ATTORNEYSMany lawyers have hired us to defend them on a wide variety of problems.PRACTICE AREASWe have represented large and small local businesses and hundreds...
Burch & Cracchiolo, P.A.
Phoenix, United States

Founded in 1970
200 people in their team
English
About Burch & CracchioloNow with 50+ law professionals in its Phoenix office, Burch & Cracchiolo, P.A. is one of the Southwest's premier law firms. Our firm was founded 54 years ago by Haze Burch and Dan Cracchiolo, both now deceased. Today, our lawyers are among the most highly...
Icaza, Gonzalez - Ruiz & Aleman (IGRA)
Panama City, United States

Founded in 1920
500 people in their team
Spanish
English
Icaza, Gonzรกlez-Ruiz & Alemรกn merges tradition and vision to provide practical legal solutions, delivering outstanding results to corporate and private clients worldwide.Since its inception in 1920, its experts have been involved in some of the most pivotal milestones in Panama's legal...
Datsopoulos MacDonald & Lind
Missoula, United States

Founded in 1974
38 people in their team
English
When you need an attorney, you have many choices.Only one firm has the commitment, driven by passion, to provide the timeliest, most informed counsel to you, no matter who you are, because we believe that every person deserves outstanding representation, in every situation.  We are on your...
Norman Hanson DeTroy, LLC
Lewiston, United States

Founded in 1975
50 people in their team
English
ABOUT THE FIRMNorman Hanson DeTroy, LLC, is one of Maineโ€™s most respected law firms and among the largest in northern New England. Since 1975, weโ€™ve been proud of our reputation for hard-driven, results-oriented, no-nonsense representation in the wide variety of practice areas that our...
MOULTON BELLINGHAM
Billings, United States

Founded in 1920
47 people in their team
English
The firm that is now Moulton Bellingham, PC was one of the first law firms established in Montana. Founded at the turn of the century by Judge Charles H. Loud and others, the firm began as a circuit-riding law practice with offices in several Montana cities, including Miles City, Red Lodge and...
PMH Legal
Portland, United States

Founded in 2009
5 people in their team
English
At Petruccelli, Martin & Haddow, LLP we practice regularly in all of Maineโ€™s state and federal trial and appellate courts, in a large number of municipal and administrative forums, and in a variety of alternative dispute resolution settings, both representing clients and acting as mediators...
Stinson LLP
Kansas City, United States

Founded in 2002
985 people in their team
English
Complex legal challenges are best approached with sharp insight and creative solutions. At Stinson, our attorneys combine industry knowledge and business acumen to deliver practical legal guidance to clients ranging from individuals to privately-held enterprises to international corporations. We...
Roxborough, Pomerance, Nye & Adreani, LLP
Woodland Hills, United States

Founded in 1996
50 people in their team
English
Just the facts-Founded in 1996, RPNA is a boutique law firm dedicated to providing businesses with a broad range of legal services. RPNA advises clients through out California with offices in Woodland Hills, Los Angeles, and Sacramento.Our attorneys are the authorities in business law-RPNA...
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About Life Insurance Law in United States:

Life insurance is a legal contract between an individual and an insurance company in the United States. It provides a lump-sum payment, known as the death benefit, to beneficiaries upon the insured individual's death. Life insurance laws in the US are governed by both federal and state regulations, with each state having its own specific laws and regulations regarding life insurance.

Why You May Need a Lawyer:

You may need a lawyer for several reasons related to life insurance, such as disputes over policy coverage, denied claims, beneficiary disputes, policy cancellations, or issues with policy terms and conditions. A lawyer can help you navigate complex legal processes, negotiate with insurance companies on your behalf, and ensure that your rights are protected.

Local Laws Overview:

Some key aspects of local laws that are particularly relevant to life insurance in the United States include regulations on policy premiums, disclosure requirements, grace periods for late payments, contestability periods, and the rights of beneficiaries to receive the death benefit.

Frequently Asked Questions:

1. What types of life insurance policies are available in the United States?

There are several types of life insurance policies available in the US, including term life, whole life, universal life, and variable life insurance.

2. Can I change the beneficiaries on my life insurance policy?

Yes, you can typically change the beneficiaries on your life insurance policy at any time by contacting your insurance company and submitting a beneficiary change form.

3. What happens if my life insurance claim is denied?

If your life insurance claim is denied, you have the right to appeal the decision and seek legal assistance to challenge the denial.

4. Do I need to have a medical exam to get life insurance?

It depends on the type of policy you are applying for. Some policies may require a medical exam, while others may not.

5. How do I know if I have enough life insurance coverage?

You should assess your financial obligations, such as mortgage payments, debts, and future expenses, to determine the appropriate amount of life insurance coverage for your needs.

6. What is the contestability period in a life insurance policy?

The contestability period is a specific time frame, typically two years, during which the insurance company can investigate and deny a claim based on inaccurate or undisclosed information on the policy application.

7. Can I sell my life insurance policy for cash?

Yes, you can sell your life insurance policy through a process known as a life settlement, where you sell your policy to a third party for a lump-sum payment.

8. What is a beneficiary designation in a life insurance policy?

A beneficiary designation is a specific individual, trust, or organization that you name to receive the death benefit from your life insurance policy upon your death.

9. Are life insurance proceeds taxable in the United States?

In most cases, life insurance proceeds are not taxable as income for beneficiaries. However, there may be some exceptions for policies with cash value or certain estate planning arrangements.

10. How can a lawyer help me with my life insurance claim?

A lawyer can review your policy, negotiate with the insurance company, file a lawsuit if necessary, and represent your interests in any disputes or legal proceedings related to your life insurance claim.

Additional Resources:

For more information and resources related to life insurance in the United States, you can contact the National Association of Insurance Commissioners (NAIC), the American Council of Life Insurers, or consult with a local insurance regulator in your state.

Next Steps:

If you are facing legal issues with your life insurance policy or claim, it is advisable to consult with an experienced attorney who specializes in insurance law. They can provide you with personalized legal advice and representation to help you navigate the complexities of life insurance laws in the United States.

Lawzana helps you find the best lawyers and law firms in United States through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Life Insurance, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in United States - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.