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Rescission or Delay of a Life Insurance Policy

Fighting for Your Life Insurance Benefits

            If your insurance company has rescinded your life insurance policy or is delaying in the payout of benefits, contact the experienced life insurance attorneys at Joseph & Eugene, LLC immediately. To often we have seen insurance companies rescind policies based on false assumptions or delay the payout of policies, sometimes in excess of two years.

Has Your Life Insurance Policy Been Rescinded?

Rescission of a life insurance policy is used to describe the reversal, or undoing, of a life insurance contract. Essentially, the insurance company is erasing the existing life insurance policy and denying the beneficiaries their death benefits. The life insurance policy may be rescinded for many reasons, including divorce, misrepresentation, alleged fraud, no insurable interest, suicide, a beneficiary change or a missed premium payment. For more information about Denied or rescinded life insurance policies visit our Life Insurance Policy Denial Page.

Unfortunately, in Missouri, and across the country, life insurance companies are rescinding more and more policies as many people don’t even fight a denial of their life insurance benefits. The Missouri Department of Insurance, received more than 420 complaints regarding life insurance and annuity companies in Missouri for the year 2012. You can see the full report here. If your claim has been denied or rescinded contact the experienced life insurance attorney at Joseph & Eugene, LLC to fight for your benefits. Our attorneys will determine the insurance company’s basis for denial and fight for your rights. Don’t let the insurance company get away with an improper denial. Missouri law states that “failing to promptly provide a reasonable explanation of the basis for a denial or offers of a compromise settlement constitutes an improper claims practice. Mo. Ann. Stat. § 375.1007(12) (2006).

Delaying the Payment of a Life Insurance Policy

           Often times we get calls from beneficiaries of life insurance policies stating that the insurance company has delayed the payout of their benefits. In Missouri, after the appropriate forms have been completed and submitted a life insurance company must advise you of acceptance or denial of a claim within 15 working days after submission of such forms. Mo. Code Regs. Ann. tit. 20, § 100-1.050 (2006). Despite the Missouri code regarding the payout of life insurance policies we have seen investigations last over two years. If your life insurance benefit has been delayed contact an attorney immediately. Often times this delay is used to investigate the claim and fabricate a basis for denial. Missouri law states that, “Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies” and “failing to adopt and implement reasonable standards for the prompt investigation of claims” constitute improper claims practices. Mo. Ann. Stat. § 375.1007(2) and (3) (2006). Don’t let the insurance company string you along while they build their case for denial. Contact an experienced life insurance attorney at Joseph & Eugene, LLC immediately!

Hire an Experienced Insurance Claim Denial Attorney

            Our results speak for themselves. Our experienced insurance claim denial attorneys have never lost a case. At Joseph & Eugene, LLC our lawyers handle cases throughout Missouri and Illinois. Don’t delay if you have been denied your insurance claim. Contact our knowledgeable lawyers today at (314) 881-8338 or send us an Insurance Denial question. We look forward to hearing from you. All communications are returned promptly.

Our Locations:

Joseph & Eugene, LLC
222 South Central Avenue, STE 1003
St. Louis, MO 63105

(o) 314.881.8338
(f) 314.863.6308


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Know what to do if the life insurance company rescinds or delays paying your life insurnace policy. Go with the experienced attorneys at Joseph & Eugene, LLC based in St. Louis, Missouri.