The lawyers at Joseph & Eugene, LLC have fought numerous insurance companies for denied insurance claims throughout the state of Missouri and Illinois. The name of the game for these life insurance companies is delay, deny and defend – do anything but pay the claim.

Many families apply for, and obtain, life insurance policies to help their loved ones after they have passed away. The life insurance policy is there to provide surviving beneficiaries with financial well being after a family member dies.

Unfortunately, some life insurance companies don’t pay out on the policy you have been paying the premiums for. Insurance companies are big businesses and they want to minimize their expenses. As most insurance companies are publicly held companies, they answer to the shareholders. According to Allstate’s CEO, Thomas Wilson, their mission is clear: “our obligation is to earn a return for our shareholders.” Often time this mission of the insurance companies is at odds with what is best for the life insurance policy holders. A senior executive at the National Association of Insurance Commissioners (NAIC), the group representing those who are supposed to oversee the industry, said, “The bottom line is that insurance companies make money when they don’t pay claims.”