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What our life insurance lawyers can do for you

When a life insurance company wrongfully delays, disputes, or denies a claim for death benefits, it can make an already traumatic time that much more difficult.

When a life insurance company wrongfully delays, disputes, or denies a claim, or when you simply need clarity about your coverage or policy, it can make an already traumatic time that much more difficult. With a combination of expertise and empathy, Life Legal makes sure life insurers keep their commitments and that clients fully understand and protect their rights.

With a combination of expertise and empathy, the life insurance attorneys at Life Legal make sure life insurers keep their commitments, and you receive the benefits you need and deserve.

A Practice Focused Exclusively on Getting Beneficiaries the Money They Deserve.

Our experienced and committed attorney focuses exclusively on issues surrounding life insurance, accidental death and dismemberment insurance, critical and chronic care insurance, and accelerated death benefits, offering both contingency and non-contingency options depending on your needs. We have seen the stress and anxiety that follows when a life insurer doesn’t deliver promised benefits. At Life Legal, we have made it our mission to give beneficiaries the peace of mind that comes from knowing they have allies and advocates who will fight relentlessly to resolve their claims and get them the proceeds to which they are entitled.

When you come to Life Legal for assistance with your claim, policy question or dispute, we will help you navigate the process and fight back against the powerful interests attempting to take advantage of you. With Life Legal on your side, you can rest assured that you will always know your case’s status, be informed about any significant developments, and have direct contact with the attorney handling your matter.

Given that you are likely already facing financial challenges due to the insurer’s actions, we don’t want to add to your stress with unclear billing or surprise charges. That is why we offer free consultations and several transparent fee options, including contingency, hourly and flat-fee arrangements, so you’ll always know what to expect before moving forward.

Appealing Denied or Disputed Insurance Claims

Life insurance companies, like other insurers, are not necessarily “on your side” and aren’t particularly interested in being your “good neighbor.” Instead, they are large, faceless corporations in business to make money. Every dollar they pay on a claim is a dollar less in profits. That is why your insurer has every incentive to deny or delay your claim for life insurance benefits, and that often starts long before a denial ever happens.

If you have received a denial of benefits, are facing a dispute, or simply want clarity about your rights under a policy, Life Legal will step in on your behalf, making it clear to the insurer that they cannot take advantage of you. Our attorney will challenge your denied life insurance claim

by gathering all relevant information, obtaining expert reports when necessary, conducting legal research, and writing a substantive appeal letter to the insurance company. When required, Life Legal will take the insurer to court to recover the benefits lawfully owed to you. For clients seeking proactive guidance rather than full representation, we also offer hourly and flat-fee consultations to help you understand your options before taking the next step.

Click below to learn how Life Legal helps clients fight back when insurers break their promises or get ahead of issues before they start.

What We Do

Expediting Delayed Insurance Claims

One of the primary reasons people get life insurance is to provide for the financial needs of their loved ones after they pass away or to understand their policy options. Especially if the decedent was the primary breadwinner, timely receipt of life insurance proceeds is critical for paying day-to-day living expenses and sparing a spouse, child, or other loved one from financial distress.

Every day that passes without those benefits, or without clear answers from your insurer, can add unnecessary stress and uncertainty. While you’re waiting, the insurance company and its team of investigators are reviewing the claim to look for potential bases for denial. If an insurer is dragging its heels, failing to respond to your inquiries, making you jump through countless hoops after you have submitted all necessary documents, or even if you just need guidance before taking the next step, Life Legal stands ready to get the insurance company to step up and pay up.

Click below to learn more about how Life Legal can help you expedite your claim and get you the funds and benefits you deserve.

Hourly Consulting for Life, AD&D, and Critical Illness Claims

Not every insurance problem needs a lawsuit — sometimes it just needs the right lawyer.

Life Legal Advisory Services provides hourly and flat-fee consulting for individuals, families, employers, and advisors who need clarity, compliance, or strategy before a claim is denied or a dispute begins.

We offer:

  • Policy & Claim Reviews – Identify exclusions, prevent denials, and strengthen documentation.

  • Beneficiary & Estate Guidance – Navigate death benefit issues and family conflicts with confidence.

  • Employer & HR Compliance – ERISA plan reviews, employee death benefit training, and on-call counsel.

  • Advisor & Fiduciary Consulting – Policy structure audits, beneficiary checks, and expert insights.

  • Expert Witness & Co-Counsel Support – Legal strategy for benefit denials and insurance litigation.

See what our clients have to say.

Life Legal: Committed To Getting You the Life Insurance Benefits You Deserve

Life Legal is a modern, innovative firm that protects you against the unfair claims practices of life insurance companies, including denied, delayed, or disputed claims for benefits as well as policy reviews and other related matters. Founder Taylor Gerchman is a skilled, experienced, and driven attorney who has dedicated her career to helping people navigate the complexities of life insurance from preventing problems to resolving them.

Please contact us to arrange for a free initial consultation to discuss your matter.

And remember, you pay nothing until we recover proceeds for you.

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Life Insurance Lawyer FAQs

A: A life insurance lawyer is your advocate, ally, and advisor during the life insurance claim benefits process. Filing a claim and dealing with a life insurance company is an unfamiliar and confusing experience for most people. When you have to deal with such matters during an already difficult time after losing a loved one, speaking with an experienced life insurance lawyer during a free initial consultation can provide answers and peace of mind. If the insurer is not responding to you or has disputed or denied your claim, Life Legal will intervene on your behalf to ensure the insurance company fulfills its promises and gets you the benefits you deserve as quickly as possible.

A: Life Legal provides our services on a contingency fee basis. That means you won’t receive a bill or have to pay us anything until and unless we recover money for you. We want to ensure our clients don’t have to worry about the cost of life insurance disputes so they can hire someone they trust to professionally manage their case from start to finish.

A: Absolutely. Because insurance companies know we are fully prepared to take them all the way to trial to get fair compensation for our clients, most cases we handle are resolved through negotiation and settlement. However, our attorneys are seasoned litigators who are always ready to pursue a lawsuit and go the distance whenever a life insurance company refuses to offer everything our clients deserve.

A: The length of time cases take to resolve can vary significantly. Even though having a life insurance dispute attorney on your side can certainly speed up the process and light a fire under the insurance company, many variables still impact the timetable. Life Legal’s team works exclusively in this unique practice area so we can move quickly, efficiently, and effectively to put your claim on the fast track. We’ll work to build a strong case from the beginning to get your life insurance benefits claim dispute resolved as quickly as possible.

A: Definitely. Since life insurers prefer not to pay claims whenever they have even the flimsiest excuse, they often deny claims even when the claimant has done everything right and the policy terms clearly provide for benefits. The insurer hopes you won’t understand your rights or that you will accept their denial and give up and abandon your claim. By hiring a life insurance lawyer, you put the insurance company on notice that you will not be taken advantage of and that you will fight for what you are entitled to. Once you retain us, we take over the claim and negotiate on your behalf, so you don’t have to worry about it. We know that after a loved one passes, the last thing you want to do is haggle with the life insurance company over benefits that are rightly yours under the policy.

A: Yes. Life insurance companies are, unfortunately, notorious for dragging their heels throughout the claims process. They may not return phone calls or emails promptly or even fail to respond altogether. Insurance companies are in business to make a profit, and part of that is limiting and delaying what they pay out in claims. Our firm holds life insurance companies accountable and gets them to fulfill their obligations.

A: We are a national life insurance firm. We practice in all 50 states!

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, & Wyoming.

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