When a loved one passes away, life insurance benefits are meant to provide financial security during one of the most difficult times. Unfortunately, insurance companies often deny valid claims, leaving grieving families without the support they were promised. If your life insurance claim has been denied in Florida, you have legal options to challenge the denial and pursue the benefits you are owed.
Common Reasons Life Insurance Claims Are Denied
Life insurance companies deny claims for many reasons, some legitimate and some questionable. Common denial reasons include:
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Alleged Misrepresentation on the Application – Insurers may claim the policyholder failed to disclose a medical condition or lifestyle habit.
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Policy Lapse for Non-Payment – Carriers may argue the policy was not in force due to missed premiums.
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Contestability Period Disputes – If the death occurred within the two-year contestability period, insurers often review applications closely to deny claims.
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Exclusion Clauses – Certain causes of death (such as suicide within a set period) may be excluded from coverage.
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Errors in Beneficiary Designation – Disputes over who is entitled to benefits can also delay or deny payment.
Your Rights Under Florida Law
Florida law provides important protections for policyholders and beneficiaries. Insurers have a duty to handle claims in good faith, and wrongful denials may expose them to liability for damages beyond the policy benefit.
Steps to Challenge a Denied Life Insurance Claim
If your claim has been denied, consider the following steps:
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Review the Denial Letter – Carefully read the insurer’s explanation for denial.
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Gather Documentation – Collect the policy, medical records, correspondence, and premium payment history.
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File an Appeal – Most insurance companies have internal appeal processes.
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Consult a Florida Insurance Attorney – An experienced lawyer can identify whether the denial was lawful, handle appeals, and, if necessary, file a lawsuit.
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Litigate if Necessary – If the insurer refuses to pay, litigation may be required to enforce your rights.
Why Legal Help Matters
Insurance companies have teams of adjusters and lawyers whose job is to minimize payouts. Beneficiaries facing a denial often feel overwhelmed. A Florida life insurance attorney can challenge the insurer’s reasons, negotiate on your behalf, and take the case to court if needed. With the right representation, you stand a far better chance of recovering the benefits your loved one intended for you.
✅ Bottom Line: If your life insurance claim was denied in Florida, don’t assume the insurer’s decision is final. You may have strong grounds to challenge the denial and recover the benefits you deserve.
Have you or someone you know been denied a life insurance claim? Contact Florida 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 Miami Attorney Gonzalez-Sirgo directly at jp@yourattorneys.com or by text at (305) 929-8935.
