When a loved one passes away, you expect the life insurance policy they paid for to provide financial security. Unfortunately, many Florida families encounter resistance from insurance companies—delays, denials, or underpayment of benefits. Understanding how a life insurance attorney can help you through a dispute is key to protecting your rights and recovering the full amount you’re owed.
Why Life Insurance Claims Are Denied in Florida
Insurers often deny claims for reasons such as:
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Alleged misrepresentation on the application (for example, undisclosed health conditions or smoking history)
- Contestability period investigations
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Policy exclusions, such as suicide clauses or accidental death limitations
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Beneficiary disputes, especially in blended families or contested designations
Even when these reasons seem legitimate, insurers sometimes misinterpret policy terms or act in bad faith to minimize payouts.
How a Florida Life Insurance Attorney Can Help
An experienced life insurance attorney understands Florida’s insurance laws and knows how to challenge insurers who fail to act fairly. Your attorney can:
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Review the policy to identify coverage and exclusions
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Investigate the denial and gather supporting documentation
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Negotiate with the insurance company to seek a fair settlement
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File a lawsuit, if necessary, under Florida Statute §624.155 for bad faith practices
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Protect your rights as a beneficiary, ensuring compliance with both Florida and federal insurance regulations
Attorneys also handle communication with insurers so you don’t have to—preventing you from saying or signing anything that could weaken your claim.
When to Contact a Life Insurance Lawyer
You should reach out to an attorney as soon as:
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Your claim is denied or delayed beyond a reasonable period
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The insurer requests excessive documentation or contradicts its own policy language
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You suspect bad faith handling or deceptive practices
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There’s a dispute over who the rightful beneficiary is
Florida’s statutes impose deadlines for contesting claim denials, so acting quickly can preserve your rights.
The Bottom Line
A denied life insurance claim doesn’t mean the end of the road. Many valid claims are initially rejected—but with experienced legal guidance, families can often recover what’s rightfully theirs. A Florida life insurance attorney can level the playing field against powerful insurers and help ensure your loved one’s legacy is honored.
If your Florida life insurance claim has been delayed, denied, or disputed, contact a qualified life insurance attorney today to review your case and protect your rights.
Have you or someone you know been denied a life insurance claim? Contact Florida Life 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.
