Life Insurance Claims Current Rates, News & Information
Biggest Failed Attempts to Collect Life Insurance Money
Posted in Life Insurance , Life Insurance Claims
January 6th, 2011
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We always hear stories of crazy individuals taking the lives of their loved ones to claim life insurance money. It happens so often that many people spend time scrutinizing potential beneficiaries so that they don’t have to fear being poisoned in the near future. 
AD&D Insurance: How Much Are Your Body Parts Worth? (Infographic)
Posted in Life Insurance , Life Insurance Claims
December 28th, 2010
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Some people are a bit more accident prone than others, which might be why Accidental Death and Dismemberment (AD&D) Insurance exists. As an add-on to a traditional health or life insurance policy, AD&D insurance pays out to the beneficiary if you die or lose a body part in an accident. The point is to insure you and your family against a significant loss of income if you were no longer able to perform your job to your fullest ability as a result of injury or death.
Thousands of Too-New Life Insurance Claims Denied Last Year
Posted in Life Insurance , Life Insurance Claims , Life Insurance Companies
November 22nd, 2010
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Some life insurance companies have apparently cancelled policies belonging to the recently deceased and denied claims if their policies were less than two-years old. A recently investigative report from the Los Angeles Times revealed that thousands of life insurance policies deemed “too new” were not paid to deserving beneficiaries in 2009.
Getting a Life Insurance Denial Letter is Pretty Common
Posted in Life Insurance , Life Insurance Claims
February 24th, 2010
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It is more common than you think for a beneficiary to get a denial letter after filing a life insurance claim. That’s at least according to a new press release from Pennsylvania life insurance law firm, Lassen Law Firm, that explains that life insurance companies regularly deny claims – and for a lot of simple reasons.
Being Prepared to File a Life Insurance Claim
Posted in Life Insurance , Life Insurance Claims
April 24th, 2009
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Having to file a life insurance claim at any point is a tough job, but it’s good to be prepared for when that day comes. What type of preparatory measures can be taken to ensure that you’re ready to handle filing the claim? Let’s take a look at a few ideas to better know the processes involved.
What is an Annuity Forfeiture?
Posted in Annuity , Life Insurance , Life Insurance Claims , Life Insurance Riders , Permanent Insurance , Term Insurance
April 20th, 2009
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Planning for retirement is crucial to ensuring that you will be able to provide yourself with a level of comfort when you are no longer working. One such investment tool many utilize to ensure a steady cash distribution is by arranging an annuity with a life insurance company. Individuals make a contract with an insurance company where the individual pays regular premiums until a set date that the annuity starts providing the policyholder with payouts. Annuities can be a good investment tool, but in some circumstances a pure life annuity can result in a forfeiture of investments.
What is a Pure Life Annuity?
Posted in Annuity , Life Insurance , Life Insurance Claims , Life Insurance Riders , Permanent Insurance
April 17th, 2009
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Retirement planning is an essential task everyone must pursue in order to provide a level of financial comfort for themselves. One investment tool that is commonly used are annuities, where you pay a premium over an extended period of time in order to collect cash benefit payments at a later date. A pure life annuity follows that basic structure,and offers either fixed or variable payments until the annuitant perishes. At that point, the payment cycle is terminated.
What if an Annuitant Outlives Their Policy Term?
Posted in Annuity , Life Insurance , Life Insurance Claims
April 15th, 2009
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If you are a contract owner with an insurance company where you pay dues expecting a future payout, then you are an annuitant. Typically, annuity payouts are structured to start out at retirement, but the contract holder can really opt for distributions for any time period they choose. If you start your payout benefits earlier or live anexponentially long time, you may actually outlive the life of your policy. If that is the case, what happens when the annuitant outlives their policy term?
What if an Annuitant Passes Away Before Their Term Expires?
Posted in Annuity , Life Insurance , Life Insurance Claims , Permanent Insurance , Term Insurance
April 14th, 2009
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People who get permanent life insurance are taking care of two important issues at the same time: they’re ensuring the financial safety of their loved ones in the event that they will die suddenly; and they’re planning for their retirement. A permanent life insurance policy has what’s called a cash-value factor. This means that, unlike term life insurance, all the money you put into your permanent life insurance policy (in the form of your premiums) starts to accrue, and goes into a fund which you can get back when you want to.
What Happens to my Policy if the Beneficiary Dies Too?
Posted in Life Insurance , Life Insurance Claims
April 13th, 2009
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When you open a life insurance policy, you decide who receives the benefit of the policy after your death by choosing a beneficiary. From time to time, you can review your policy and add or change a beneficiary at any time.
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