Denied Insurance Claim?
A Life & Property Insurance Lawyer Can Help Collect
Your Denied Insurance Benefits

The Life & Property Insurance Law Offices of Heather D. Lee is a multi-state life insurance and property insurance law practice best known for representing victims of wrongfully delayed and denied life insurance claims, accidental death and dismemberment (AD&D) claims, and ERISA claims.  We also handle life insurance beneficiary disputes, denied renters and homeowners insurance claims, auto theft claims, premises liability and other property insurance claims. 

​Since 2011, life insurance lawyer Heather D. Lee has dedicated her career to helping insureds and beneficiaries stand up to big insurance, collecting millions in delayed and denied life and property insurance benefits on behalf of her clients.
Our mission is to protect 
your rights and your family.
It is no secret that insurance companies make huge profits, year after year, by collecting life and property insurance premiums and later delaying or denying claims.  Many delayed and denied life insurance claims and property insurance claims are illegitimate, made in bad faith, and motivated solely by profit.  Life and property insurance companies benefit by wrongfully rescinding or terminating policies, and denying claims, while retaining years of faithfully paid premiums.  If a life insurance claim or property insurance claim is delayed or denied, the insurer will issue correspondence designed to confuse the insured or beneficiary, or to deter them from legally pursuing the case.  When insureds and beneficiaries are vulnerable and without the strength and resources to fight against a powerful, national insurance company, they will often just accept the insurer's illegitimate reasons for delaying or denying the claim, or for cancelling a policy.
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Even though federal and state laws require insurance companies to conduct prompt and reasonable claim investigations, insurers frequently delay claims for months or even years.  The insured or beneficiary may become desperate to accept a "low ball" settlement offer made by the life or property insurance company in bad faith.  Sometimes, insurers refuse to respond to claims at all, or fail to provide a sufficient explanation or proper evidence to support a life or property insurance claim denial, hoping the insured or beneficiary will just give up on the claim.  When you give up on a delayed or denied insurance claim without hiring an experienced life and property insurance lawyer, the insurer automatically wins.

We Don't Charge Legal Fees
Unless & Until We Win

We understand that the death of a loved one, a tragic accident, or the unexpected loss of your home or valuables can cause not only emotional suffering, but also extreme financial hardship.  It is our mission to protect your rights and your family during these difficult times.  We fight illegitimate life and property insurance practices, no matter how large or small the insurance claim.  Life insurers and property insurers can easily take advantage of insureds and beneficiaries who do not hire an experienced life and property insurance attorney. 

​Unfortunately, many life insurance beneficiaries and insureds who have legitimate claims never seek the help of a life and property insurance lawyer because they simply cannot afford one.  That is why we offer free claim evaluations and low contingent-fee rates on all delayed and denied insurance claims, to ensure that our clients have access to qualified legal representation without worrying about the extensive costs of litigation. 
We have one goal:
to solve your insurance problem.
Insurance companies will often request unnecessary documents or information which may not exist or are difficult for the insured or beneficiary to obtain, and denial letters are issued containing lengthy, complex, and confusing explanations in "support" of wrongful and illegitimate life insurance and property insurance claim denials.  These misleading tactics are just some of many bad faith insurance practices designed to make insureds and their beneficiaries accept "low ball" settlement offers or give up on delayed and denied life insurance claims altogether.  But we can help you solve your insurance problem.

You should speak to an experienced insurance attorney if your life insurance claim or property insurance claim has been denied, or if payment is delayed for more than 30-60 days.  Do not attempt to fight a wrongful insurance claim denial alone.  What you say and do could cause you to lose your case.  In ERISA cases, for example, if you file an administrative appeal without the assistance of a life insurance attorney, you may omit material evidence resulting in the waiver of your right to later use that evidence in court proceedings.  If you miss an administrative, contractual, or statutory deadline, it could result in your life insurance claim being forever barred in court.
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Attorney Lee has collected denied life and property insurance claims from many of the nation's largest insurance companies, including:
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American Amicable Life Insurance Company
American Fidelity Life Insurance Company
American Income Life Insurance Company
American General Life Insurance Company (AIG)
Aviva Life Insurance Company
Bankers Life & Casualty Company
Catlin Insurance Group
Colonial Penn Life Insurance Company
Conseco Life Insurance Company
Erie Insurance Group
Fidelity & Guaranty Life Insurance Company
Foremost Insurance Group
Globe Life & Accident Insurance Company
Great American Insurance Group
Guardian Life Insurance Company of America
Indiana Farm Bureau Insurance Company
Infinity Property & Casualty Corporation
​Liberty Mutual Insurance Group
Lincoln Heritage Life Insurance Company
Lincoln National Life Insurance Company
Massachusetts Mutual Life Insurance Company
Metropolitan Life Insurance Company (MetLife)
Minnesota Life Insurance Company
Mutual of Omaha Insurance Company
New York Life Insurance Company & AARP
Northwestern Mutual Life Insurance Company
Primerica Life Insurance Company
Prudential Insurance Company
Reliance Standard Life Insurance Company
Reliastar Life Insurance Company (ING)
State Farm Life Insurance Company
The Hartford Financial Services Group
The Independent Order of Foresters
The Standard Insurance Company
United Insurance Company
U.S. Financial Life Insurance Company
USAA Casualty Insurance Company
​& More!
Heather D. Lee, ESQ has been recognized for her legal work in Philadelphia Style Magazine and Suburban Life Magazine, on "Ask the Attorney" with Host Alex Alexander, and on WTXF - Fox 29's Good Day Philadelphia Show with Host Mike Jerrick
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Ask A Life Insurance Attorney
About Your Denied Insurance Claim

We Collect Insurance Benefits Fast
At the Life & Property Insurance Law Offices of Heather D. Lee, we respect our clients and recognize the importance of communication in the lawyer-client relationship.  Attorney Lee personally handles her life and property insurance cases from intake to resolution, and is always available to provide case updates and answer her clients' questions directly.  We take time to explain the law because we want you to feel confident about your decision to pursue your case.  When pursuing a delayed or denied life or property insurance claim, we work to resolve the case quickly, and if possible, without incurring the substantial risks and costs inherent in litigation.  We will not hesitate, however, to litigate your life insurance or property insurance case if necessary to achieve the recovery that you deserve.

We work hard to get the compensation that our clients deserve, at times when they need it most.  You shouldn't have to fight bad faith insurance practices alone, and now you don't have to.  If we pursue your wrongfully delayed or denied insurance claim, we will not charge any up-front fees, and no legal fees will become due unless and until the life or property insurance company pays your claim.  By seeking our legal help on your case, you have nothing to lose and everything to gain.  If your life insurance claim or property insurance claim has been delayed or denied, do not give up without a fight.  
Contact us at (800)403-5710 for
your free consultation today.
Life Insurance Lawyer
Copyright © Law Offices of Heather D. Lee, Esquire, LLC, 2011-2021.  All Rights Reserved.
​Florida [Main Office]:  4959 SW 80th Avenue, Bell, FL  32619
​New York:  445 Broad Hollow Road, Suite 25, Melville, NY  11747
Pennsylvania:  1700 Market Street, Suite 1005, Philadelphia, PA  19103
Colorado:  44 Cook Street, Suite 100, Denver, CO  80206