Q: When my parent passed away their life insurance only paid back premiums that they had paid in, instead of full amount
They claimed it was because the policy was only recently started. Does this sound correct?
A: A Maine attorney could advise best, but your question remains open for two weeks. I'm very sorry for the loss of your parent. One would need to see the policy to advise meaningfully, in particular, any provisions about waiting periods. See if you could line up a free initial consult with a law firm that handles life insurance claims litigation. An attorney who litigates these types of claims should be able to quickly figure out the validity of the carrier's position with a quick read of the policy, and whether any applicable legal doctrines of insurance or consumer law avail themselves to you here. Good luck
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