Florida Life Insurance Lawyers

Life insurance policies are meant to provide financial security to your loved ones after you pass away, helping them cover expenses and maintain financial stability. However, dealing with a life insurance claim in Florida can sometimes be more challenging than expected. Insurance companies may delay or deny claims, leaving beneficiaries struggling during an already difficult time. If you are facing a denied or delayed life insurance claim, the Florida life insurance lawyers at the Law Offices of Jason Turchin can help you navigate the process and fight for the benefits you deserve.

We understand how complicated life insurance disputes can be, especially when you’re grieving the loss of a loved one. Our experienced attorneys have assisted clients throughout Florida in handling life insurance claims, appealing denied claims, and taking legal action when necessary. Contact us today at 800-337-7755 for a free consultation, or use our live chat feature. You won’t pay any fees or costs unless we win or settle your case.

Common Reasons for Life Insurance Claim Denials in Florida

Life insurance companies often deny claims for several reasons, some of which may not be valid. Knowing the common reasons for denial can help you understand whether your claim was wrongfully denied and whether you may have legal recourse to challenge the decision. Common reasons for life insurance claim denials include:

• Material Misrepresentation: Insurance companies may deny claims if they believe the policyholder provided false or incomplete information on their application, such as failing to disclose pre-existing medical conditions. However, not all omissions or inaccuracies should lead to a denial. If the misrepresentation had no bearing on the cause of death, you may be able to challenge the denial.
• Policy Lapses Due to Non-Payment: If premiums were not paid, the insurance company may argue that the policy lapsed before the policyholder’s death. However, some policies include grace periods or provisions that allow for reinstatement, and Florida law may provide protections in certain circumstances.
• Contestability Period: Most life insurance policies include a two-year contestability period, during which the insurance company can investigate and deny claims for misrepresentation. Even if a death occurs during the contestability period, the denial may not be justified if the misrepresentation was irrelevant to the death.
• Policy Exclusions: Life insurance policies often include specific exclusions for certain types of deaths, such as suicide within the first two years of the policy or deaths related to risky activities. However, exclusions must be clearly stated in the policy, and ambiguous terms may be contested in court.
• Beneficiary Disputes: Competing claims by multiple beneficiaries or disputes over the validity of beneficiary changes made near the end of the policyholder’s life can complicate the claims process. In such cases, the insurance company may delay payment or file an interpleader lawsuit to let the court decide who is entitled to the benefits.

Steps to Take If Your Life Insurance Claim Is Denied

Receiving a denial letter from the insurance company can be overwhelming, especially when you’re counting on those benefits for financial security. However, a denial does not necessarily mean the end of your claim. There are several steps you can take to challenge the decision:

1. Review the Denial Letter: The insurance company is required to provide a clear explanation of why your claim was denied. Review the letter carefully and make note of the reasons provided. Compare the denial letter with the terms of the policy to determine whether the denial is justified.
2. Gather Documentation: Collect all relevant documentation, including the life insurance policy, the policyholder’s medical records, and any correspondence with the insurance company. This information will be crucial in challenging the denial.
3. Consult with a Florida Life Insurance Lawyer: An experienced life insurance lawyer can help you understand your rights, evaluate the validity of the denial, and advise you on your next steps. Many denials are based on material misinterpretations of the policy or misunderstandings about Florida law.
4. Appeal the Denial: If your claim was denied, you may have the option to appeal the decision with the insurance company. A lawyer can help you gather the necessary evidence and present a compelling case for why the denial should be overturned.
5. File a Lawsuit if Necessary: If the insurance company refuses to reverse the denial, you may be able to file a lawsuit to recover the benefits. A Florida life insurance lawyer can represent you in court and fight for your right to receive the payout you are entitled to under the policy.

How Our Florida Life Insurance Lawyers Can Help

At the Law Offices of Jason Turchin, we have extensive experience handling life insurance claim disputes in Florida. Our legal team understands the tactics used by insurance companies to delay or deny claims, and we are committed to helping you pursue the benefits you deserve. Here are a few ways we may assist you:

• Policy Review: We can review the terms of the life insurance policy to identify any potential issues or misinterpretations by the insurance company.
• Claims Appeal: We can help you file a formal appeal with the insurance company, providing the necessary documentation and legal arguments to support your case.
• Interpleader Actions: In cases involving competing beneficiaries or disputed beneficiary changes, we can represent you in an interpleader lawsuit and advocate for your right to the benefits.
• Litigation: If the insurance company refuses to pay the claim after an appeal, we may file a lawsuit to hold the company accountable for wrongfully denying or delaying the payout.

Florida Law and Life Insurance Claims

Florida law provides important protections for beneficiaries in life insurance disputes. For example, Florida’s “incontestability” law limits the insurance company’s ability to challenge a policy based on misrepresentation after the policy has been in effect for two years. Additionally, Florida law may offer protection if the insurance company acted in bad faith by denying or delaying the claim without valid reasons.

Contact Our Florida Life Insurance Lawyers for a Free Consultation

If you are facing a life insurance claim denial or delay in Florida, the Law Offices of Jason Turchin can help. We have a deep understanding of Florida’s life insurance laws and experience helping beneficiaries recover the benefits they deserve. Call us today at 800-337-7755 for a free consultation, or use our live chat feature to speak with an agent. You won’t pay any fees or costs unless we win or settle your case.

Let us help you navigate the legal process and fight for your right to the life insurance benefits you are entitled to.