1. Understanding When to Use a Life Insurance Lawyer
Brief Description: There are many people that do not understand when they should hire a life
insurance lawyer. This article describes some of the processes that may lead to you needing a
life insurance lawyer.
After a loved one passes away you want to make sure that you understand the many processes
that you will have to go through. Taking the time to understand these processes is very important
and necessary but can often be painful.
Finding balance
You want to give yourself enough time to
grieve while also taking care of what needs to
be done. Finding a balance between the two
can be stressful and can be very difficult if you
are not aware of your personal needs.
Taking the time to meet with a professional
about your grief may be very important. You
must be honest with yourself and with the
professional that you are meeting with to be
sure that you are able to deal with your
problems in a healthy manner.
When someone that you are close to dies you
may have many responsibilities following his
or her death. Knowing what these
responsibilities are and how to fulfill them is
important so that you are able to stay on top of
the responsibilities.
Funeral
The funeral may be one of the responsibilities that you have to deal with. While you are
preparing for the funeral you should not be afraid to ask others for help and to get the input of
those that you are close to.
Sometimes, you will have to work with a group of people to plan the funeral. When this happens
you should take the time to understand how you can deal respectfully with one another when
emotions are running high.

2. The more that you are able to understand your emotions the better able you will be to deal with
them in a healthy manner. You should not allow yourself to lash out on others when your real
emotion is mourning.
Working with everyone that was included on the will can also be very difficult. Many people get
caught up in the money that is left and the possessions that are left that they become bitter
towards those that they love because of something they believed to be unfair.
Although there is a lot that may be unfair try to remember the individual that passed away.
Focus on your love for them and on their life and do not disrespect their legacy by fighting over
material possessions that are not significant in the long run.
Dealing with the life insurance company can become very tricky. You want to make sure that
you understand exactly what you are doing so that you can be sure that the insurance company is
being honest with you.
If you have power of attorney over your loved one’s estate you may just want to take the time to
hire an attorney to deal with the life insurance company. There can be many problems that the
life insurance company tries to bombard you with.
Bad faith claim
When you file a bad faith claim you are essentially
saying that the insurance company did not pay the
money that they were contracted to pay. You will
need a lawyer to file this claim and you will want to
make sure it is filed as soon as possible.
Often times the insurance money may be money that
the family needs right away. If you need the money
for planning the funeral it can get very problematic
very quickly to not be paid the money that you were
contracted to be paid.
There are a lot of insurance companies that will take
advantage of this urgency. As you are taking the
time to find the lawyer that will be the most
beneficial you may want to talk to friends and
family about lawyers that they have hired.
When you understand the experiences of your
friends and family you may be much more capable of finding a lawyer that you are happy with.
There are not a lot of people that understand how to go about this process especially when they
are dealing with emotional distress.

3. If the insurance company tells you that they are going to offer you a settlement you should call
your lawyer immediately. You do not want to settle for anything less than the amount of money
that has been stipulated in your contract.
Take the time to understand when you need a lawyer and when you do not need a lawyer. Your
family will be better off and you will be able to be sure that you are doing all that you can to take
care of the estate that has been left to you.
Photo credit: Lawrence OP, Fallingwater123