The insurance company is bound by laws to act in good faith with the customers. There are many instance however when insurance company employs unfair tactics and to avoid paying claims promptly. The financially benefiting from the delays frequently it can be mentioned that the claims have been converted into a money making process. Delayed life insurance claim tactics are the most common obstacles used by the many insurance companies to avoid payment of claims. At many instance a claim be due to legitimate reasons, especially in the case of a contestable claim. Often, however the life insurance company delay paying claims as a tactic to force the beneficiary to wait for the settlement of the claim, with the hope that the beneficiary will eventually give up. Not every beneficiary has the sufficient knowledge to identify the difference between the legitimate insurance claim investigations and the illegitimate claim delays. An insurance company has the duty to conduct the insurance claim investigations. The main point is that the investigation must be reasonable and timely. Insurance policy requires that the insured must cooperate with the insurer in the claim of the investigation process. This condition will be stated in the life insurance policies. According to that it is responsibility of the insurer to ask for specific documents or the items that are related to the claims.
If the insurers comply with the request for relevant information and the document, they must expedite the review process and if they cooperate with the request for a recorded statement and the proof of loss of documents or add davits, they will improve the chance of expanding the claim investigation process. If the beneficiary failed to comply with the reasonable request then it may result in lengthy investigations and may be the claims will be denied. Many of the beneficiaries have the problem that the claims are unreasonably delayed. At this situation they can seek help from the life insurance attorney. Delayed life insurance claim cases were deal and make successfully by the life insurance attorneys. The insurer claims it is in the process of confirming the coverage that is based on the terms of the insurance policy. Faulty the policy interpretation is one of the most common examples of unfair tactics insurance will always use to the delayed claims. If there are no reasons for the lengthy delay the beneficiary must consult the attorney.