There are two primary types of life insurance policies to choose from and while most people view this type of insurance as a way to provide for death and funeral costs, it can also be viewed as an effective financial tool. In a term life insurance policy, you make periodic payments to the life insurance company for a specified period of time and if you die during the term, your life insurance company pays the previously agreed upon total to your beneficiary. If you do not die, your beneficiary receives nothing.

In a cash value life insurance policy, which is also known as ordinary, whole, and universal life insurance, you again make periodic payments but as opposed to a set term, this policy spans your whole life. So, regardless of when you die, your beneficiary will receive a previously agreed upon total. In both term life and cash value policies an insurance company may look for an excuse to deny the claim because again, an insurance company like any other company is in business to make a profit.

Over the past two decades, we've built a reputation of integrity, skill and professionalism with clients, other lawyers, judges and the community- specializing in personal injury cases resulting from automobile accidents, medical malpractice, premise liability and products liability, plus insurance bad faith, worker's compensation and social security claims. In our three offices in Philadelphia, Pennsylvania, Lancaster, Pennsylvania and Marlton, New Jersey, our reputation with other attorneys, judges and insurance companies is extremely important because an attorney's ability to achieve a great result for a client is in part determined by opposing counsel's assessment and an insurance company's assessment of that attorneys skills. While a law suit is never fun, we want to express to you that we take each case personally, and we're dedicated to achieving the best possible outcome for you and your family. If you have suffered an injury in one of the following areas please contact our legal professionals for free legal advice today:

We are proud of our accomplishments including those of our founder Howard Silverman, who has been recognized for providing outstanding personal injury advocacy as reflected in his selection as a Pennsylvania Super Lawyer in 2008, and his induction as a lifetime member in the prestigious Million Dollar Advocates Forum, an honor held by less than two percent of all personal injury attorneys in the United States. We invite you to learn more about our Philadelphia personal injury law firm, our accomplished personal injury attorneys and our demonstrated track record of success.

If you are involved in an accident please call us toll free at 866-484-6992 or visit one of our three locations in center city Philadelphia, Lancaster or Marlton. If you live outside of Pennsylvania and New Jersey feel free to contact the American Justice Network, a personal injury litigation network that leverages decades of experience and relationships with attorneys to facilitate a connection with the best attorney for you.

If you are involved in an accident please call us toll free at 866-484-6992, fill out the online form to the right, or visit one of our three locations in center city Philadelphia, Lancaster or Marlton. If you live outside of Pennsylvania and New Jersey feel free to contact the American Justice Network, a personal injury litigation network that leverages decades of experience and relationships with attorneys to facilitate a connection with the best attorney for you.