Certain steps should be taken to resolve a dispute with your insurance company.
You do not need a lawyer to resolve disputes in most cases, most insurance companies will generally be willing to work with your to straighten out any problems.
First contact your insurance agent. If your concerns are not addressed contact the company’s customer [...]

A good agent can guide you by explaining the options and identifying what best match your personal needs. Life insurance can get very complicated.

If you do not sell your life insurance policy, and you should die, the beneficiary you named on your policy must file a claim to collect the death benefit. The insurance company has 60 days to pay the claim or notify the beneficiary.
The beneficiary should get a claim form from the insurance company. The insurance [...]