Types of Life Insurance

Life insurance is an agreement made between a policyholder and an insurance provider that if the policy holder were to die, a designated beneficiary would receive financial benefits. Policyholders typically pay premiums over their lives to give their family financial stability in the form of life insurance payouts in case of an accident. There are two main types of health insurance policies with many different types within the categories.

If you have lost a loved one who had a life insurance policy, yet your insurance provider is refusing to pay or significantly underpaying on your claim, you need a qualified legal representative to help you fight for the benefits you need. To discuss your legal options with an experienced attorney, contact the dedicated Dallas life insurance claim lawyers of Smith Kendall, PLLC, today at 214-361-6124 and schedule your case evaluation.

Life Insurance Options

The two primary categories of life insurance policies are term and permanent. Term life insurance gives the beneficiary a life insurance payout only if the policyholder dies within a specified time period. Within this category are another five different subtypes of term life insurance.

The other major life insurance category is permanent life insurance, which covers the policyholder’s entire lifetime. Like term insurance, there are also a large number of categories that a policyholder can choose from when developing his or her personalized life insurance policy.

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If you have lost a loved one who had a life insurance plan and you are the beneficiary, you deserve the financial benefits the policyholder intended for you. Contact the Dallas life insurance claims attorneys of Smith Kendall, PLLC, today at 214-361-6124 to learn more about your options if your claim as been denied.

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