Please let us know your name.


Please let us know your email address.


Please write a subject for your message.


Please let us know your message.


Invalid Input



Recent blog posts

Posted by on in Law

 Missouri Life and Annuity Complaint Indices

The Missouri Department of Insurance tracks the complaints for the 40 biggest providers of life insurance and annuity contracts in the State. Their last publication listed the statistics for complaints from 2010 to 2012. Below I have listed the top 10 companies by the number of life insurance and annuity complaints:

Company Name                                               No. of Complaints

American General Life Insurance Co                              57
Jackson National Life Insurance Company                     57
Metropolitan Life Insurance Company                           42
Prudential Insurance Company of American The            31
Lincoln National Life Insurance Company                      28
New York Life Insurance Company                               23
Aviva Life & Annuity Company                                     14
Hartford Life & Accident Insurance Company               14
United of Omaha Life Insurance Company                    14
Protective Life Insurance Company                               13

The life insurance attorneys as Joseph & Eugene, LLC has either filed lawsuits or taken phone calls regarding most of these life insurance companies. While it is good to file complaints with the State of Missouri, don’t stop there. If you have been denied your life insurance benefits, if you are going through a lengthy investigation or if you are concerned with your claim for any reason, call our experienced life insurance denial attorneys. Most people are intimidated by the big life insurance companies and don’t fight their denials. Don’t be that person. Fight for the benefits you deserve.

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

Get Directions.

 

Continue reading
Hits: 1420
0

Posted by on in Law

 Transamerica Life Insurance Company Settles With Missouri

We see life insurance companies implement questionable practices all the time. Sometimes those practices are so widespread that the State of Missouri steps in. Within the last two months Transamerica reached a settlement agreement with the State of Missouri and multiple other states. The settlement dealt with their untimely and inefficient search for beneficiaries. Unfortunately, every day we see the insurance companies trying to cut corners in an effort to add to the bottom line. Fortunately, the consumers have life insurance attorneys and the Missouri Department of Insurance watching out for their best interest.

The settlement includes Transamerica Life Insurance subsidiaries Transamerica Life Insurance Co., Transamerica Advisors Life Insurance Co., Transamerica Advisors Life Insurance Co. of New York, Transamerica Financial Life Insurance Co., Monumental Life Insurance Co., Stonebridge Life Insurance Co. and Western Reserve Life Assurance Co. of Ohio.

            If you have been wrongfully denied your benefits by the life insurance company you should contact an attorney immediately. Since the beginning of 2009, in the State of Missouri alone, the Market Conduct Section of the Department of Insurance has recovered more than $16,000,000.00 in refunds and fines. Don’t let the life insurance companies get away with their questionable business practices. Fight for the life insurance benefits you are owed.

To read more about the Transamerica Life Insurance Company settlement you can read the entire settlement here: http://insurance.mo.gov/Contribute%20Documents/TransamericaRegulatorySettlementAgreement.pdf

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

Get Directions.

 

Continue reading
Hits: 1540
0

Posted by on in Law

 

AARP Life Insurance Concerns

At Joseph & Eugene we speak to people with life insurance issues on a regular basis. Certain life insurance companies seem to come up more often than others. One such company is AARP. They claim to be "a nonprofit, nonpartisan membership organization for people age 50 and over ... dedicated to enhancing quality of life for all as we age," which "provides a wide range of unique benefits, special products, and services for our members." AARP provides their life insurance policies through New York Life.

These life insurance policies are usually easier to obtain through AARP than through other life insurance companies. This is because AARP has less stringent underwriting policies. As stated by Richard Hisey, President of AARP Financial, "They’re for the person who doesn’t want to go through the underwriting process, is comfortable doing business through the mail, and knows they are unlikely to be turned down for this insurance.”

While this makes it easier for someone to obtain life insurance, it comes with a cost. Since AARP will approve more risky cases for life insurance that would otherwise be declined through tougher underwriting standards they have to balance the risk by other means. They do this by having higher premium payments and by declining any cases that are not clear cut.

If your case has been declined by AARP do not give up! Call our experienced life insurance attorneys today. We will review your case at no cost. Often times we have been able to recover life insurance payments for our clients even after they have been denied their benefits.

For further reading, a good consumer website with reviews on insurance companies is: http://www.consumeraffairs.com/insurance/aarp_life_insurance.html

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

Get Directions.

 

 

 

Continue reading
Hits: 2714
0

Posted by on in Law

 

Removing Large Life Insurance Cases to Federal Court

Often times life insurance lawsuits, which are originally filed in State Court, are removed to Federal Court by the defendants. When hiring an attorney to handle your life insurance dispute, it is important to hire an attorney that is licensed to practice law in Federal Court.

How Can the Defendant Remove my Life Insurance Lawsuit to Federal Court?

A common way that life insurance companies remove disputes to federal court is by Diversity Jurisdiction. Diversity Jurisdiction exists when there is a complete diversity of citizenship among the parties and the amount in controversy exceeds $75,000.00 exclusive of interest and costs.

For a corporation, generally speaking, they are considered citizens of the state in which they were incorporated and in which they maintain their principal place of business.

For example, if you are a citizen in Missouri and you sue a life insurance company incorporated in Delaware with principal place of business in New York and the policy amount is $250,000.00 there is a good chance your case is removed to Federal Court by the insurance company.

Hire a Life Insurance Attorney Licensed in Federal Court

It is important to hire an attorney that is licensed in both State and Federal Court! At Joseph & Eugene, we are licensed to handle cases in both state and federal court. If you have a larger life insurance policy over $75,000.00 and the life insurance company is based out of the State of Missouri it is important to hire an attorney that can handle your case no matter what direction it goes.

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

Get Directions.

 

 

Continue reading
Hits: 1514
0

Posted by on in Law

Having Trouble Dealing with Your Life Insurance Company?

You are not alone. We hear all kinds of horror stories with dealing with life insurance companies. Whether you have life insurance through a large insurance company or a smaller company, they all have their issues. While it is an older publication, it is interesting to note the list of the top 10 worst insurance companies in America as published by the American Association for Justice:

  1. Allstate
  2. Unum
  3. AIG
  4. State Farm
  5. Conseco
  6. WellPoint
  7. Farmers
  8. UnitedHealth
  9. Torchmark
  10. Liberty Mutual

The article can be found here: http://www.justice.org/cps/rde/xbcr/justice/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

It is scary to see some of the tactics the insurance company uses when dealing with customers. Don’t let the insurance company use these tactics on you. Hire an experienced lawyer at Joseph & Eugene, LLC to obtain your life insurance benefits.

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

Get Directions.

 

Continue reading
Hits: 1509
0