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 service office. If customer service fails short of your expectation ask about the company’s procedure for appealing decisions.

If your self-help efforts fall short then the next step is to contact the Department Of Insurance Office of Consumer Services, and speak to a life insurance analyst. Your analyst will answer your questions over the phone and explain any additional steps you should take to resolve your problems. The staff will give you an honest and unbiased answers to all your questions.

If this explanation does not satisfy you, you can then request a complaint form which your insurance analyst will mail to you with instructions of how to fill the complaint form. Your analyst will review all the facts to make sure the company follows its contract with you as well as Insurance Regulations.

The most frequent complaints about Life Insurance are:

1. Misrepresentation
2. Information requested
3. Coverage question
4. Claim denial

The typical “funeral policy” is a whole life policy with a small death benefit for about $5,000.00

There is an alternative to funeral insurance if your concern is paying funeral expenses. The traditional alternative is a pre-need contract with a funeral director. Here is how it usually works:

1. The funeral director contracts to provide a funeral for a specified amount.

2. Your payments go into an escrow fund

3. The money remains yours

4. Unlike life insurance, you can withdraw your money from the pre-need escrow fund.

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