Insurance Company Won’t Pay Actor’s Daughter if Death Ruled Suicide.

The insurance company that wrote a famous actor’s $10 million life insurance policy is being sued after claiming the actor’s death may have been a suicide, even though police concluded the death was accidental. Lawyers for the actor’s daughter say it’s obviously a disturbing ploy to avoid paying her the money.The Life Insurance Company wrote the policy six months before the actor died. The beneficiary of the policy is a trustee who would hold the money for his 2-year-old daughter.Instead of paying the $10 million the insurance company set out to investigate whether the actor took his own life, despite the fact that the medical examiner ruled his death accidental. As a successful insurance lawyer I have reviewed many cases of life insurance claims and have completed same with favorable results.

The lawsuit which is filed by the deceased actor’s daughter’s trustee, claims the insurance company has acted in bad faith by not promptly paying the $10 million and by wrongfully prying into the life of the actor after his death.The lawyers for the insurance company have claimed that the actor’s death was suspicious and possibly a suicide, which would nullify the insurance policy. The insurance company alleges in its lawsuit that they are entitled to investigate the plaintiff’s claim to determine if the suicide provision is applicable. That provision states that if the Insured commits suicide we will pay only the amount of premiums paid to us.The insurance company’s lawyers have informed the actor’s daughter’s lawyers they intend to take the depositions of his friends as well as the masseuse who was at the actor’s home when he died,as well as colleagues on his last film, his agents, doctors, psychologists and others. Lawyers for the deceased actor’s daughter believe the insurance company is trying to shame them into giving up. They believe the insurance company is trying to drag the process out for years to avoid paying her the money she is entitled to.The insurance company believes the actor may have lied on two questions on his insurance application,specifically, whether he was taking prescription drugs and whether he ever used illegal drugs.In its answer to the lawsuit the insurance company claims it can contest the policy if the actor lied on the application and believes it was a material misrepresentation of facts.It is believed that the actor had a prescription for sleeping pills when he filled out the insurance application but sleeping polls were not in his system when he died, nor were any illegal drugs.Lawyers for the daughter’s trust claim the insurance company is flagrantly violating California law, which strictly prohibits insurance companies from re-examining insurance applications after the policyholder dies. In the lawsuit, the trustee’s lawyers say they received a letter from the insurance company asking them to identify all doctors who attended to the deceased and all hospitals or institutions where he was treated since 1996. The trustee’s lawyers say the request blatantly violates the law.An official for the insurance company said no decision has been made on the claim. But lawyers for the daughter’s trust believe that the insurance company should have already paid and, according to the suit, is acting maliciously, fraudulently and oppressively by depriving the daughter of the deceased actor the insurance policy benefits her father put in place for her to receive.

If you or a loved one has been a victim of life insurance misrepresentation please call me today at 800-320-0080 or visit one of my conveniently located office in either Rockville or Baltimore.