Los Angeles, CA commercial litigation attorney Johnathan M. Deer talks about what you do when a life insurance company refuses to pay. He advises that when a life insurance company refuses to pay, the first step is to act quickly and secure legal representation. Life insurance companies are not allies; their focus is on managing investments, not on the policyholder’s well-being. If a company sends a letter or communicates that they will not honor the policy, immediate action is crucial. He stresses the importance of contacting a knowledgeable attorney with experience in life insurance, someone who can take effective steps without making the situation worse.