How do I file a life insurance claim in Florida?

Following the death of a loved one, the last thing you want to deal with is the life insurance company.  However, a life insurance settlement can provide the necessary money to cover funeral costs, medical expenses and can act as an income supplement for you and your family.  It is important to understand what is involved in filing a life insurance claim, so that you can avoid a delay in the process and denial of your life insurance claim.

You should review the details of the policy to become familiar with the benefits.  If you cannot locate the policy, contact the life insurance agent or company.  Not only will they be able to explain the benefits under the policy, but you will also be able to receive information on how to file the life insurance claim.

There will be forms that you will need to complete. Each adult beneficiary is generally required to fill out a proof of death form.  Other supporting documents will be required by the life insurance company, such as a certified copy of the death certificate and often a certified copy of the marriage certificate, if applicable.  A funeral director can provide the death certificate.  Once all of the forms are completed and the necessary paperwork is gathered, you will need to submit everything to the life insurance company.

It does not take long for the life insurance company to review the claim.  If some documents are missing, then it could cause a delay in the processing of the life insurance claim.  Life insurance companies can also deny a claim based on fraud or material misrepresentation.  In that situation, you need to contact a Florida life insurance claims attorney, such as J.P. Gonzalez-Sirgo, immediately.  He can help you if you have been denied a life insurance settlement or if you are in dispute with the life insurance company.

The article, Top 4 Things You Need to Do to File a Life Insurance Claim, has additional helpful information regarding filing a life insurance claim.