Ex-spouses are frequently cut off by state statute, but there are many exceptions, and our top life insurance lawyers fight denials and win.
There are multiple issues at play with automatic revocation statutes, and multiple ways to fight the denials.
Our top life insurance lawyers know how to fight for ex-spouses cut off by the automatic revocation statute.
No other law firm has the knowledge and experience to fight these cases and win.
How divorce affects different types of life insurance claims, such as SGLI, FEGLI, VGLI, and ERISA.
How divorce court orders and revocation upon divorce statutes can deny life insurance claims.
How beneficiary contests and improper change of beneficiary can delay or deny life insurance claims.
We have won all of these types of cases involving divorce:
Our top life insurance dispute law firm wins cases. You need to call us to collect.
If there are multiple people claiming party, the insurance company may file an interpleader. Most lawyers across the nation refer their interpleader cases to us as we win them.
Our lawyers will fight and win.
It is best not to wait, but to call today.
Don’t wait too long or the claim may be paid out to the other parties.
You pay us nothing unless we get you the money.
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Common questions involving divorce and life insurance
We can help you determine whether a marital asset or not.
Whether a whole life insurance policy is considered a marital asset or not depends on the state law and the circumstances of the divorce. Generally, if the premiums were paid with income earned during the marriage, the policy may be subject to division as a marital asset. However, some states may have different rules or exceptions for determining the ownership and value of the policy, which is why you need to contact our top life insurance lawyers.
Our life insurance lawyers are here to help
Whether term life insurance is considered a marital asset or not depends on the state law and the circumstances of the divorce. Generally, term life insurance is treated as a separate property in divorce, because the death benefit is not accessible while the insured person is alive. However, some states may have different rules or exceptions for determining the ownership and value of the policy.
For example, in community property states, life insurance may qualify as a marital asset if the premiums were paid with income earned during the marriage. The nine community property states are: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. In these states, an ex-spouse may have a claim to some or all of the death benefits if the insured person dies within the policy term.
Our top life insurance lawyers will fight for your community property rights with respect to your life insurance claim.
Our community property life insurance lawyers are here to help.
Don’t wait to call, as assets can get paid out quickly.
Due to the issues involved, there are frequently beneficiary disputes. Our firm is famous for resolving tens of thousands of beneficiary disputes and countless interpleader lawsuits.
Most states in the U.S. are common law property states. In these states, property that a person owns or inherits before marriage remains that person’s separate property after marriage1. Property acquired by one spouse during marriage is also owned solely by that spouse, unless both spouses are on the title or deed.
Life insurance policies may be considered marital assets if they have a cash value component, such as whole life or universal life policies. Term life policies, which only pay a death benefit and do not accumulate cash value, are usually not considered marital assets.
In a common law state, if life insurance premiums are paid using separate property, such as income earned before marriage or gifts and inheritances, the policy is considered separate property. However, if life insurance premiums are paid using community property, such as income earned during marriage, the policy may be considered community property or partially community property.
Community property is any asset that is acquired by either spouse during marriage and belongs equally to both spouses1. There are only nine community property states in the U.S., plus three states that allow residents to opt into community property law.
In case of divorce or legal separation, the court will decide how to divide the marital property based on the state laws and any agreements between the spouses. The court may also consider factors such as the length of the marriage, the contributions of each spouse, and the needs of each spouse.
In case of death of one spouse, the surviving spouse may have a right to claim a portion of the deceased spouse’s estate, depending on the state laws and the existence of a will or trust. The surviving spouse may also have a right to receive the death benefit from the life insurance policy, unless there is a valid beneficiary designation that overrides the spousal right.
We have a free consultation, don’t delay.
If you were cut off, we will fight and win.
There are at least 7 ways to overcome being cut off by divorce.
Contact us today to discuss.