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Life Insurance Lawyers | Alabama | The Martin Law Firm, LLC

Life Insurance Claims, Lawsuits, Appeals, and Settlements


Life insurance is a common benefit of employment. As a result, it may be covered by ERISA. The policies may cover all causes of death and may even cover a spouse or child. Though claims under such policies would appear straightforward, they are regularly denied.

Our Life Insurance Lawyer Services provide top-quality legal representation to clients who have been denied benefits or need assistance with their claims. 

Our skilled attorneys are committed to helping clients navigate the complex process of filing a claim, appealing a denial, or pursuing a lawsuit to recover the compensation they deserve. 

If your life insurance claim has been denied, our lawyers can help you appeal the decision and fight for the benefits you deserve. We will carefully review your claim, gather evidence, obtain medical records, and build a compelling case to support your appeal. 

In the event that a lawsuit is necessary, our attorneys will aggressively litigate on your behalf to negotiate the best possible settlement. We understand the importance of securing a favorable outcome for our clients and will work tirelessly to achieve this goal. 

At our law firm, we prioritize the needs and goals of our clients and will provide personalized attention and guidance throughout the entire legal process. 

Whether you need assistance with filing a claim, appealing a denial, or pursuing a lawsuit, our attorneys are here to help. Contact us today to schedule a consultation and learn more about how we can assist you with your life insurance claim. Let us help you get the benefits you deserve.

We represent clients nationally and engage in video conference meetings with clients across the nation, we have face-to-face meetings for clients and potential clients in every major city in Alabama, Mississippi, the panhandle of Florida, southern Tennessee, and the western half of Georgia from Columbus to Atlanta. Contact an experienced ERISA insurance attorney today for help with your claim for life insurance benefits.


Have you experienced any of the following tactics?

The insurance company denied benefits because it claims that the cause of death is not covered by the policy because of an exclusion (e.g. suicide, mental illness, declared war or injuries resulting thereof or accidental injury caused by illness rather than solely injury).

The insurance company denied benefits because it claims that a premium was paid late or that a premium payment was missed. This assertion can be difficult for an employee to challenge when payment of the premiums for the life insurance policy were supposed to be handled by the employer through payroll deductions.

The insurance company may delay payment on a life insurance claim even when there is little or no room for doubt. The company may buy extra time by using “deny, delay, defend” tactics.

The insurance company may deny a claim for life insurance benefits claiming that an accidental death was actually caused by a pre-existing condition. For example, after a fatal car accident, a life insurance company may claim to have proof of some medical condition that could have contributed to the cause of the crash.


Frequently Asked Questions about Life Insurance Lawsuits


Q. Can life insurance be denied?

A. Yes, life insurance claims are regularly denied. Insurance companies will use all kinds of tactics to deny the claim.

​Life insurance cases are very challenging when ERISA applies. They have a very short appeal time frame, usually only 60 days from the date the claim denial is received. You have to know what to do right away to gather the evidence needed. Having “been there” many times before greatly helps.

If you have an ERISA life insurance claim, put our experience to work for you. Our life insurance attorneys can help you evaluate and document your claim. An attorney's review of a life insurance claim can make a big difference. We can also file appeals after a claim is denied.


Q. How long do I have to pursue a life insurance claim?

A. Life insurance policies have time limits for making claims. Sometimes the time limits may be as short as 60 days. If the claim is denied, there will likely be another time limit to appeal that denial. That time limit can be as little as 60 days as well. And that appeal process has to be followed before a lawsuit can be filed.

You should allow an experienced ERISA attorney to assist you, so that you do not miss these critical deadlines.


Q: Why should I hire a lawyer if my life insurance benefits have been denied?

A: Hiring a lawyer can greatly enhance your chances of successfully appealing the denial and obtaining the life insurance benefits you believe you deserve. They have expertise in insurance law and can navigate the appeals process on your behalf.


Q: How do I know if I have a valid case for appealing my life insurance benefit denial?

A: An experienced lawyer can assess the specifics of your situation during a consultation. They will review the denial letter, policy documents, and relevant information to evaluate the strength of your case and provide guidance accordingly.


Q: What can a lawyer do to help me with my life insurance benefit appeal?

A: A lawyer can review your policy, gather necessary evidence, prepare a strong appeal, negotiate with the insurance company, and represent you in legal proceedings if required. They will advocate for your rights and work to secure the benefits you deserve.


Q: How much does it cost to hire a lawyer for a life insurance benefit denial case?

A: Our initial consultation is an evaluation of your case and it is free. We will explain whether you have a case with which we can assist, and the arrangement for the fee and case expenses. No charge until we have an agreement with you.


Q: What if I cannot afford to hire a lawyer for my life insurance benefit denial case?

A: Some lawyers offer free initial consultations to assess your case. Additionally, legal aid organizations, pro bono services, or advocacy groups may be able to provide assistance or refer you to affordable legal resources.


Q: How long does the life insurance benefit appeal process take?

A: The duration of the appeal process can vary depending on factors such as the complexity of your case, the insurance company's response time, and the specific procedures outlined in your policy. An experienced lawyer can provide an estimate based on your circumstances.


Q: Can I handle the life insurance benefit appeal on my own without a lawyer?

A: While it is possible to handle the appeal process independently, having a lawyer by your side can significantly improve your chances of success. They understand insurance law, can navigate the process efficiently, and advocate for your rights effectively.


Q: What if my life insurance benefits are still denied after the appeal?

A: If your benefits are still denied after the appeal, your lawyer can discuss further legal options with you, such as filing a lawsuit against the insurance company. They will guide you through the next steps based on the specific circumstances of your case.


Q: Can a lawyer help me if my life insurance benefits were denied due to a pre-existing condition?

A: Yes, a lawyer can assist you if your benefits were denied due to a pre-existing condition. They will review your policy, medical records, and relevant information to determine the best course of action and advocate for your rights.


Q: How can I find a reliable lawyer for my life insurance benefit denial case?

A: Start by seeking recommendations from trusted sources such as friends, family, or other professionals. Online legal directories and state bar association websites are also helpful resources. Consider a lawyer's experience, expertise in insurance law, and client reviews when making your selection.

Have questions? We'd love to help! We chose this area of the law because we enjoy helping employees receive the benefits they paid for and worked so hard for. You don't have to fight the insurance companies on your own. We're here to help. Call for a free consultation today.


Experienced Life Insurance Attorney

Our attorneys advise and represent clients who have life insurance claims, usually through employment benefit policies. If you have a question about any life insurance benefits, an insurance attorney can evaluate your case and give knowledgeable legal opinions. Have a copy of your summary plan description with you when you consult with one of our lawyers.

Our life insurance lawyers can help you evaluate and document your claim. A life insurance attorney's review of a life insurance claim can make a big difference. We can also file appeals after a life insurance claim is denied.


Contact An Alabama Life Insurance Benefits Attorney

Contact an experienced ERISA life insurance benefits attorney today for help with your claim for life insurance benefits – FREE CONSULTATION!

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Office Locations

Tuscaloosa Office
2117 Jack Warner Pkwy STE 1
Tuscaloosa, AL 35401
(205) 343-1771

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300 Vestavia Pkwy, Suite #2300
Birmingham, AL 35216
(205) 286-5576

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116 Jefferson Street N., Suite 209
Huntsville, AL 35801
(800) 284-9309

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205 N. Conception St.
Mobile, AL 36603
(251) 206-0024