Life Insurance Advisory Services

For years, Life Legal Services has represented beneficiaries across the country in life, accidental death, and critical illness disputes, nearly all on contingency fee arrangement.

But not every client needs to file a lawsuit to get answers. Many simply need:

• A policy interpreted by someone who knows insurer tactics,
• A claim reviewed before submission, or
• Guidance navigating beneficiary and estate issues after a loss.

That’s where Life Legal Advisory Services comes in, practical, hourly, results-oriented guidance designed to save you time, stress, and often, years of litigation.

• Policy Review & Risk Assessment – Identify exclusions, lapse risks, and coverage traps before it’s too late.
• Claim Preparation & Documentation Review – We guide you through what insurers look for and help you avoid delays.
• Appeal Letter Review – If you’ve drafted an appeal yourself, we’ll edit and strengthen it for maximum impact.

• Beneficiary Conflict Prevention – Avoid disputes after death by reviewing designations and family circumstances now.
• Estate Claim Support – Help with EINs, affidavits, insurer correspondence, and estate-related fund transfers.

• ERISA Compliance Reviews – Ensure your life or AD&D plans comply with federal requirements and minimize risk.
• Employee Death Benefit Training – We train HR departments on handling claims with empathy and compliance.
• On-Call Legal Advisor Retainers – Monthly retainers for benefits administrators or in-house counsel.

• Beneficiary Audit Service – Verify that designations match estate plans and prevent unintended disinheritance.
• Policy Structure Reviews – Protect your clients from future denials with our legal review of existing policies.
• Legal Insight Briefings – Regular consulting for fiduciary firms on emerging claim-denial trends.

• ERISA & Life Insurance Litigation Consulting – Strategy and drafting assistance for law firms handling benefit denials.
• Expert Witness Testimony – Claim handling standards, insurer obligations, and policy interpretation.

We provide hourly guidance to:

• Individuals and families navigating a death benefit or critical illness claim
• Executors and estate representatives managing insurance proceeds
• Employers and HR professionals seeking ERISA compliance
• Financial advisors and fiduciaries aiming to protect their clients
• Law firms handling insurance matters outside their comfort zone

We’ll review your issue, and determine next steps.

You’ll receive a clear scope of work and estimated hours or flat rate.

Meet virtually via Zoom or phone. We work nationwide.

You’ll receive written recommendations, templates, or a ready-to-file packet where applicable.