Broward County Life Insurance Lawyers

Losing a loved one is never easy, and dealing with a denied or delayed life insurance claim can make a difficult time even more overwhelming. Life insurance is meant to provide financial security to beneficiaries after a policyholder’s death, but insurance companies may deny claims for various reasons, leaving families without the support they were promised. If you’re facing a denied life insurance claim in Broward County, the experienced Broward County Life Insurance Lawyers at the Law Offices of Jason Turchin may be able to help you fight for the benefits you deserve.

Our Broward County life insurance lawyers understand the complexities of life insurance disputes and are committed to helping beneficiaries recover the compensation they are entitled to. Whether your claim was denied due to an alleged misrepresentation, a lapse in policy, or other reasons, we can review your case and work to try to resolve the dispute. Contact us today at 800-337-7755 for a free consultation, or use our live chat feature. You won’t pay any fees or costs unless we win or settle your case.

Common Reasons for Life Insurance Claim Denials in Broward County

Life insurance companies often deny claims for reasons that may not always be justified under Florida law. Understanding why your claim was denied is the first step toward resolving the issue. Some of the most common reasons for life insurance claim denials include:

1. Material Misrepresentation

One of the most frequent reasons for a life insurance claim denial is material misrepresentation. This occurs when the insurance company claims that the policyholder provided inaccurate or incomplete information on their life insurance application. Common examples include failing to disclose pre-existing medical conditions or certain lifestyle factors like smoking. If the insurer believes that the misrepresentation was material to their decision to issue the policy, they may deny the claim. However, these denials can be challenged, especially if the alleged misrepresentation had no impact on the policyholder’s cause of death.

2. Policy Lapse Due to Non-Payment

Another common reason for denial is that the policy lapsed due to non-payment of premiums. If the policyholder missed premium payments, the insurance company may argue that the policy was no longer in effect at the time of death. However, there may be situations where this denial can be contested, such as if the policyholder was within a grace period, or if they missed payments due to disability or other reasons.

3. Contestability Period Denials

Most life insurance policies include a contestability period, which typically lasts for the first two years after the policy is issued. During this period, the insurance company may investigate the policyholder’s application and deny claims if they find discrepancies. If a policyholder dies during this time, the insurance company may scrutinize the claim more closely and deny it based on alleged misrepresentations. However, after the contestability period ends, the insurer can no longer deny a claim based on application errors, except in cases of fraud or non-payment.

4. Exclusions for Certain Causes of Death

Life insurance policies often include exclusions that limit the circumstances under which benefits will be paid. Common exclusions include deaths resulting from suicide (within a certain time period), drug or alcohol use, or engaging in high-risk activities like skydiving. If the cause of death falls under one of these exclusions, the insurance company may deny the claim. However, these exclusions are subject to interpretation, and an experienced life insurance lawyer may be able to challenge the denial.

5. Disputes Over Beneficiary Designation

Disputes over who is the rightful beneficiary can also lead to delays or denials of life insurance claims. This is especially common when there are multiple parties claiming the benefits, such as a spouse, children, or ex-spouse. Conflicting beneficiary designations or last-minute changes to the policy can result in an interpleader lawsuit, where the court may decide who should receive the proceeds.

How Our Broward County Life Insurance Lawyers Can Help

At the Law Offices of Jason Turchin, our Broward County life insurance lawyers have experience handling a wide range of life insurance disputes. If your claim has been denied or delayed, we may be able to assist you by:

1. Reviewing the Life Insurance Policy

We can thoroughly review the terms of your life insurance policy, the denial letter, and any correspondence with the insurance company to determine whether the denial is valid under Florida law. By carefully examining the policy’s provisions, exclusions, and conditions, we may identify legal issues that could be used to challenge the denial.

2. Investigating the Circumstances of the Denial

Our team can investigate the circumstances surrounding your claim’s denial. This may involve gathering medical records, financial documents, and communications between the policyholder and the insurance company. This investigation can help us build a strong case to support your claim.

3. Filing an Appeal

If your life insurance claim was wrongfully denied, we can help you file an appeal with the insurance company. We can present evidence to support your claim and negotiate with the insurer to seek a reversal of the denial.

4. Litigating the Case if Necessary

If the insurance company refuses to reverse its decision, we are prepared to take legal action. Our Broward County life insurance lawyers have experience litigating life insurance disputes and may represent you in court to pursue the benefits you are owed.

Life Insurance Claims and Florida Law

Navigating life insurance disputes in Broward County can be challenging, but Florida law provides important protections for beneficiaries. Below are key aspects of Florida life insurance law that may impact your case:

Florida’s Statute of Limitations for Life Insurance Claims

In Florida, beneficiaries generally have five years from the date of the policyholder’s death to file a lawsuit if their life insurance claim is denied. However, waiting too long to take action can weaken your case. It’s important to consult with an attorney as soon as possible if your claim has been denied.

Bad Faith Insurance Claims

Florida law prohibits life insurance companies from acting in bad faith when handling claims. If the insurer wrongfully denies or delays a valid claim, fails to investigate properly, or otherwise breaches its obligations, you may be able to file a bad faith lawsuit. If successful, this could entitle you to additional compensation beyond the original policy benefits.

Cities We Serve in Broward County

At the Law Offices of Jason Turchin, we proudly serve clients throughout Broward County. Whether you live in Fort Lauderdale, Pembroke Pines, Weston, Hollywood, or any of the surrounding areas, we can help you navigate your life insurance claim. Our Broward County life insurance lawyers are familiar with the local courts and insurance companies, and we are committed to providing personalized legal representation to each of our clients.

Why You Need a Broward County Life Insurance Lawyer

If you’re dealing with a denied or delayed life insurance claim in Broward County, you don’t have to go through the process alone. Having an experienced life insurance lawyer on your side can help protect your rights and ensure that you receive the benefits you are entitled to. At the Law Offices of Jason Turchin, we have extensive experience handling life insurance disputes and are dedicated to helping beneficiaries resolve their claims.

We handle life insurance claims on a contingency fee basis, meaning you won’t pay any fees or costs unless we win or settle your case. Contact us today at 800-337-7755 or use our live chat feature to schedule your free consultation.

Let us help you fight for the financial security you deserve after the loss of a loved one.