Insurance death benefits claims
Life insurance is there to provide for your dependants if you die and is typically used to cover expenses such as mortgage repayments. However, if you are the insurance holder (meaning the life insurance policy is in your name) it is also possible for you to claim death benefits during your life time if you are suffering from a terminal illness.
If you or someone in your family needs to claim death benefits from a life insurance policy, get in touch with Maurice Blackburn today. Terms and conditions vary between insurers, so make sure your policy includes all of your preferred options. Maurice Blackburn’s insurance team are experts at working out the fine print in life insurance policies and they know how to obtain the full entitlements for you.
Why Maurice Blackburn?
Maurice Blackburn's death benefits insurance claims lawyers are experts, and we understand the importance of having someone in your corner when you're taking on a well-resourced insurance company.
We offer 'no win, no fee'* arrangements for these types of cases, which means that you don’t have to pay for our legal services if we don't win. We have insurance claims lawyers in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia. Contact us today to find out how we can help.
Frequently Asked Questions
Usually only for the first 13 months after the policy starts.
Yes, you can claim against as many policies as you have. These are often part of your superannuation.
Group insurance policies, such as through your super, usually give some automatic cover without health questions. Other types of policies that you may have purchased—from your financial institution or advisor, for example—typically do have health questions and won't have automatic cover but will be subject to checking or underwriting by your insurance company.
Under some (but not all) policies you have to tell the insurer about pre-existing health problems. If you don't, the insurer might try not to pay you—but often with our help you can get them to pay.
Some policies exclude war-related deaths or intentional actions.
As soon as possible is best, but you may be able to claim even after a long time. We can help you with a claim.