The Law Firm of J.P. Gonzalez-Sirgo, P.A. helps insurance policyholders recover what they are due on their insurance claims, zealously advocates on behalf of victims of catastrophic personal injuries or wrongful death and fights for the rights of consumers and small businesses in Miami and throughout Miami-Dade County, Florida.

Below are some initial questions many clients have when they first contact J.P. Gonzalez-Sirgo, P.A.. The questions below may address many initial concerns you may have. If you don't find the answers here, you should contact us for answers to questions specific to your case. The consultation is free.

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  • Can A Beneficiary Under A Life Insurance Policy Collect If The Insured Commits Suicide?

    Life insurance policies typically contain a suicide clause excluding coverage if the insured commits suicide within two years of the policy's inception.  However, since not all life insurance policies are identical, please contact an experienced life insurance claims attorney to discuss your case in more detail.

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].
     

  • What Is Life Insurance?

    Life insurance is a contract between a policyholder or insured and an insurance company where the life insurance company agrees to pay money to the insured’s designated beneficiaries in the event of the insured’s death in exchange for premiums paid by the policyholder at certain intervals.

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

  • What Is The Most Common Reason For A Life insurance Claim Denial?

    The most common reason given by insurance companies for denial of a life insurance claim is that material misrepresentation were made in the application for insurance.

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

  • Can Anyone Other Than The Insured Change The Beneficiary On A Life Insurance Policy?

    Yes, if the person making the change holds a power of attorney (POA) authorizing such changes or is listed in the insurance policy as having this right or otherwise has legal standing to do so.

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

  • How Do You Locate A Missing Life Insurance Policy?

    When a loved one passes away, the last thing you want to spend your time doing is looking for the life insurance policy.  It is not uncommon for the surviving family members to be unaware of the details regarding the life insurance policy, including the company who issued it.  However, it is worth the effort to try to locate the missing life insurance policy, as the settlement can help pay funeral expenses, medical bills, and household expenses. 

    Before you start your search, you should consider what company may have sold the policy.  For example, is there a particular insurance agent you work with for your insurance needs?  Is it possible that this insurance agent also sold the policy to your loved one?  Employers, trade associations, and unions also frequently offer life insurance to their members, so you should also check with these resources.

    If you are still not sure what company issued the policy, you may want to look through your loved one’s file cabinets, storage boxes, and bank safe deposit boxes, if applicable.  An address book may even be helpful as it could list the name of an insurance agency.  You might consider calling professionals you have worked with in the past, such as accountants, attorneys, insurance agents, and financial advisors.

    While there is no central database to locate life insurance policies, you can employ a private service to help you find the policy information.  These companies will search for lost insurance policies for a fee.

    Another great source is the National Association of Insurance Commissioners, which can provide you with contact information for state insurance personnel who can help identify possible insurers that may have issued the policy.  Florida’s Bureau of Unclaimed Property is also worth looking into.  If the life insurance company is aware of your loved one’s death, but can’t locate the beneficiaries, then it may have forwarded the death benefit to the State.

    The article, Locating a Lost Life Insurance Policy, has more information and strategies regarding finding missing policies. 

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].
     

  • How Do You File A Life Insurance Claim In Florida?

    The first step is notifying the life insurance company of your claim.

    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 and 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 life insurance company for a copy of the life insurance policy.  They will also be able to explain the benefits under the policy and provide information on how to file the life insurance claim with that particular life insurance company.

    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 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.

    The life insurance company will begin to review the claim upon the opening of the claim. 

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

    You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].