It's the curt and callous response a lot of South Floridians here when they try to collect on a life insurance policy after a loved one dies.
Talk about adding insult to injury.
It happens more than you'd like to think, and many times the denial is baseless.
Here are some of the most common reasons insurance companies use:
1) the policyholder died within the first two years of the policy, it's called the two- year contestability period.
2) the company claims material misrepresentation, in other words, they claim something on the initial application was false.
3) that medical or health information was withheld or left off the application.
4) or the company claims the manner of death is not covered, for example, death by suicide or that the death was not accidental.
These are only a few of the excuses an insurance company will use but they aren't always true, and you don't have to take the denial lying down. You can get an experienced life insurance claims attorney and fight!
An attorney like J.P. Gonzalez-Sirgo.
You can reach Miami 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 Attorney Gonzalez-Sirgo directly at [email protected].