How It Works

Simple steps. No upfront cost.

You should not have to pay to find out whether your claim can be saved. Here is what to expect, one step at a time.

From first call to resolution

We take the weight of the claim off your shoulders, and keep you in the loop the whole way.

  1. A free case reviewCall or send the form. We will ask what kind of coverage it is, when the insured died, and what the insurer has said. If you have letters, we will ask you to send them.
  2. We review the fileWe look at the policy or plan, the application if there is one, the insurer's letters and the medical and investigative records. Our medical and claims team members weigh in when the dispute turns on those records.
  3. A plan you can understandWe explain the options, which may be an internal appeal, a demand to the insurer, or a lawsuit, and what each one involves.
  4. We take over communicationsThe insurer deals with us, not you. We keep you informed as things move.
  5. ResolutionMany claims are resolved without litigation. When a case needs to go to court, we tell you why and let you decide before taking any further action.

$0

up front, and no fee unless we recover money for you. The fee is set in a written agreement before we start.

How fees work

In most cases, we collect death benefits and applicable interest directly from the insurance company, deposit them into our attorney trust account, and send you the balance after deducting our fee.

How costs work

We pay for any reasonable expense related to your case, in our discretion. Common expenses include things like court costs, depositions, and expert witnesses. Whether we win or lose, you never have to pay us back for those costs.

Working with us from anywhere

Life Claim represents beneficiaries nationwide. Most of our work happens by phone, email and video, and documents can be signed electronically, so you do not need to visit an office.

Not sure where to start? Just call (888) 615-3270 and tell us what happened. That’s the whole first step.

General information, not legal advice.

You don’t have to face the insurer alone.

Tell us what the insurer has said so far. A free review costs nothing and does not commit you to anything. We will listen, and we will be honest with you.

Call nowFree review