Common scenarios that lead to life insurance claims investigations include:
The Manner of Death is Not Covered by the Policy: Some policies do not cover death from accidents or suicide. Predictably, policies also do not cover situations where the beneficiary causes the death of the insured.
Death During the Contestability Period: If the death occurs during the contestability period, typically two years from when the policy becomes effective, a life insurance carrier can elect to return the premiums and rescind the policy if it can prove that the application for insurance contained material misrepresentations.
Death Occurs Shortly After Purchase of the Policy: While a death that occurs soon after the purchase of a life insurance policy can simply be the product of coincidence, insurance companies will investigate closely under these circumstances. The insurance company will be on the lookout for potential foul play or fraud.
You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].