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Missouri Unclaimed Life Insurance Policies

Are you the beneficiary of a life insurance policy, but you don’t know where to go to claim the property? A good place to start is Missouri’s unclaimed property. Missouri holds more than 760 Million in unclaimed property and a lot of those funds are life insurance proceeds. To see if you are the beneficiary of any life insurance proceeds you can search on the website at:

http://www.treasurer.mo.gov/content/find-your-property

If you are the beneficiary of a life insurance policy don’t give up looking! If you still can’t find the policy contact our law office to discuss more options to search for your lost 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

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 Is the Insurance Company Claiming you Committed Insurance Fraud?

If you have not committed fraud, don’t be alarmed. We have handled cases where the insurance company alleges fraud as a heavy handed tactic to get the beneficiary to drop the life insurance claim. If the insurance company knows of fraud that has take place they have to report said fraud to the State of Missouri. Often times they don’t do this because all they care about is scaring the beneficiary into thinking they don’t have a claim. The fraud regulation in Missouri reads:

 

20 CSR 100-3.100 Fraud Investigation Reports

PURPOSE: This rule sets forth the forms to be used in reporting fraudulent insurance acts to the department under sections 375.991–375.994, RSMo.

(1) Insurers must report any allegation of a fraudulent insurance claim to the Consumer Affairs Division using a Fraud Investigation Report by Insurer form (Form F-I) adopted and approved by the director in 20 CSR 100- 4.030. This form also may be used by an insurer seeking the department’s assistance in the investigation and prosecution alleged fraudulent insurance claims and other types of fraudulent insurance acts. (2) Any person other than an insurer reporting a fraudulent insurance act to the Consumer Affairs Division must use a Fraud Investigation Report by Consumer form (Form F-C) adopted and approved by the director in 20 CSR 100-4.030.


If the life insurance company is alleging you committed fraud it is important to contact our experienced life insurance attorneys immediately to protect your rights!

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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What is a Timely Life Insurance Response?

Too often we have clients come to us with horror stories of life insurance investigations that have gone on for over a year. These clients ask us how long they should expect before they receive their life insurance claims. While in rare cases investigations reasonably go on for an extended period of time, we normally refer our clients to the following Missouri Code of Regulations when asked how long they should expect to wait before the life insurance company pays out the benefits:

Within fifteen (15) working days after the submission of all forms necessary to establish the nature and extent of any claim, the first-party claimant shall be advised of the acceptance or denial of the claim by the insurer. No insurer shall deny any claim on the grounds of a specific policy provision, condition or exclusion unless reference to that provision, condition or exclusion is included in the denial. The denial must be given to the claimant in writing and the claim file of the insurer shall contain a copy of the denial.

20 CSR 100-1.050 (1)(A) Standards for Prompt Fair and Equitable Settlement of Claims

If the life insurance company insists it is necessary to investigate the claim then they should abide by the following regulation:

If the insurer needs more time to determine whether a claim should be accepted or denied, it shall so notify the first-party claimant within the time otherwise allotted for acceptance or denial, giving the reasons more time is needed. If the investigation remains incomplete, the insurer, within fortyfive (45) days from the date of the initial notification and every forty-five (45) days after, shall send the claimant a letter setting forth the reasons additional time is needed for investigation.

20 CSR 100-1.050 (1)(C) Standards for Prompt Fair and Equitable Settlement of Claims

You should also be aware that you might be entitled to interest on your life insurance claim:

Interest at the rate of nine percent (9%) per annum shall be paid on all life insurance policy proceeds upon the death of the insured if the insurer fails to pay the proceeds of the policy within thirty (30) days of submission of proof of death and receipt of all necessary proofs of loss. Payment shall include interest at nine percent (9%) per annum, unless another rate has been agreed upon, from the date of death of the insured until the date the claim is paid.


If your claims has been unreasonably delayed contact the experienced life insurance attorneys at Joseph and Eugene, LLC to keep your case moving!

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.

 

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Is the insurance company saying you need to open an estate to collect the life insurance proceeds? 
 
Don't fret, we can help you through the probate process, but before opening an estate make sure that the estate is the rightful beneficiary. We have seen numerous cases where the life insurance company tells the beneficiary that he or she must open an estate when in fact it is not necessary to do so. If you don't have to go through the costs and expenses of opening a probate estate, then avoid it! 
 
If you determine that the estate of the decedent is the proper beneficiary of the life insurance benefits then you will have to go through the probate division. You should consult an attorney before proceeding, but generally speaking the process to go through the probate division will depend on the value of the insurance proceeds, the time elapsed since the date of death and whether there was a Will or any other form of estate plan. While this varies slightly depending on the circumstances we will briefly go through the different probate processes. 
 
Decedent died within last year:
 
For estates under $40,000.00 you will need to file a Small Estate Affidavit or Letters of Refusal. 
For estates over $40,000.00 you will need to petition the Court for letters. 
 
Decedent died over a year ago: 
 
For estates under $40,000.00 you will need to file a Small Estate Affidavit or Letters of Refusal. 
For estates over $40,000.00 you will need to file a Petition for Determination of Heirship. 
 
Usually, these forms can be found on the websites for the county in which you reside. For example, St. Louis County provides forms for most of these processes, but they will strongly encourage and some times require you to hire an attorney to navigate through the probate process. 
 
If you have been denied your life insurance or if the life insurance company is telling you that the rightful beneficiary of the life insurance benefits is the estate, call our experienced attorneys for a free consultation.

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.

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Has Your Life Insurance Benefits Been Denied After A Divorce?

If your life insurance benefits have been denied after a divorce contact the experienced lawyers at Joseph & Eugene, LLC for a free consultation. We have handled life insurance cases where the denial was based around a divorce. In fact, one of our most recent settlements on a case dealt with this issue.

The life insurance company denied our client stating that she was divorced and not the proper beneficiary. They based her denial of benefits off of an old statute in Missouri. The client came to us dejected because she was the ex-spouse and listed beneficiary of the decedent, but was unable to collect her benefits. What the insurance company didn't realize was that the law was updated in 2001 and their denial was based off of old law that was no longer on the books. We were able to collect the full insurance benefits plus 9% interest for our client.

The lesson here is always consult with an attorney even if you have been denied. Insurance companies will sometimes base a denial off of outdated laws. Unlike our experienced life insurance attorneys at Joseph & Eugene, LLC, the life insurance companies are not there to look out for your best interest.

 

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.

 

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