For many people, navigating their way through a life insurance claim after a loss presents very little hassle. For others, problems arise that add stress to an already tragic situation. While everyone can benefit from the guidance of a life insurance attorney, it is the people who run into problems that will benefit the most. If you have experienced a loss and are questioning whether you need the guidance of a life insurance attorney, here are four situations that may warrant legal assistance:

1.Your Claim is Denied

If your life insurance claim is denied, contact a life insurance attorney immediately. The denial of a claim can be incredibly difficult to navigate, particularly because the insurance company will consider your case closed. An attorney can find out why your claim was denied and help you take the appropriate action. The sooner you contact an attorney, the more likely you are to receive your benefits. Don’t accept your claim denial! Before you take any action yourself, contact a life insurance attorney to guide you through the next steps.

2.Handling a Contested Settlement

It’s in the life insurance company’s best interest to pay you as little money as possible. Don’t assume that you will automatically be given a check for full benefits. If the insurance company attempts to pay you less than what the policy is worth, you will need the assistance of a legal professional. A life insurance attorney can work on your behalf to negotiate a settlement.

3.Defending a Contested Claim

Do you know what to do if the life insurance company contests your claim? What if another party steps forward to contest your payout? If you find that your claim is being contested by the life insurance company or a third party, contact a life insurance attorney to represent you immediately. Your attorney will be able to investigate the objections that have been raised and get you your rightful benefits.

4.Filing Suit

If the life insurance company denies your benefits at any point in the claims process, you may find it necessary to file a lawsuit. Unless you have legal experience, this process can be both tedious and overwhelming. A life insurance attorney is well-skilled in this practice and can be an invaluable asset in your time of need. Your attorney will not only file paperwork on your behalf but will represent you in any subsequent court proceedings.

If you find yourself in a fight with an insurance company, don’t fight alone! A life insurance attorney has the knowledge and experience to help you get the benefits that you deserve. If you feel as though you are being treated unfairly by a life insurance agent or company, contact an attorney immediately for the assistance that you deserve.

Clayton Lawrence is a personal finances guru and freelance blogger for wholetermlifeinsurancequotes.org, a site he often recommends for getting free life insurance quotes.