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A Million Dollar Life Insurance Dispute Ruling

Jason Turchin, Esq.

The Case: American General Life Insurance Company v. O.H.M. et al.

In a significant ruling, the United States District Court for the Middle District of Florida addressed a complex case involving life insurance benefits. This case, titled American General Life Insurance Company v. O.H.M. et al., No. 22-10220, filed on September 6, 2023, presented a dispute over a one-million-dollar life insurance policy.

Background: In 2003, Dev-Anand Maharajh purchased a life insurance policy from American General Life Insurance Company, naming his then-wife and any children as beneficiaries. Over time, as personal circumstances changed, Maharajh altered the beneficiary designations. His final request in 2009 listed his new wife, Lisa Maharajh, and his daughter, O.H.M., as beneficiaries. However, American General flagged this request as incomplete, seeking clarification. Maharajh did not respond further.

Legal Proceedings: After Maharajh’s death in 2020, both Lisa Maharajh and O.H.M. claimed the policy benefits. The insurer, unable to determine the rightful beneficiary, sought judicial intervention. O.H.M. moved for summary judgment, which the district court granted.

Court’s Ruling: The court affirmed the grant of summary judgment in favor of O.H.M. It emphasized that under Florida law, the policyholder must strictly comply with the policy’s terms to change beneficiaries. The court found that Maharajh’s failure to respond to the insurer’s request for clarification meant he did not comply with the policy terms, thus leaving the earlier beneficiary designation in place.

Key Takeaways and How Our Firm Can Assist

This case highlights the complexities surrounding life insurance policies and the importance of complying with policy terms for beneficiary changes. It underscores the necessity of understanding and responding to insurer communications regarding policy changes. Our Florida life insurance lawyers have experience with life insurance benefit lawsuits throughout the State. We can help review the merits of your case to see whether you may be entitled to compensation.

Florida Life Insurance Lawyers

At the Law Offices of Jason Turchin, our Florida life insurance lawyers can navigate the intricate legal landscape of life insurance disputes. Our experience includes:

  • Assessment and Representation: We can evaluate your case, determine your legal rights, and represent you in disputes regarding life insurance policies.
  • Guidance on Policy Compliance: We offer advice on complying with life insurance policy terms and the implications of any changes.
  • Dispute Resolution: Our team is experienced in resolving conflicts arising from ambiguous policy terms, beneficiary designations, and insurer communications.

Contact Us for a Free Florida Life Insurance Dispute Consultation

If you’re facing a life insurance dispute or have questions about your policy, contact the Law Offices of Jason Turchin for a free consultation at 800-337-7755. Alternatively, you can chat live with our agents. Our experience can provide the clarity and direction needed to navigate these challenging issues effectively.

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"Jason Turchin and staff handled my case as if it was their own. Their care and patience and knowledge was on point. As mine was a difficult case, Jason made sure he pushed till the job was done. Wonderful...

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My experience with Jason Turchin and staff was delightful. They made a bad experience a good one. I valued their representation and opinion. I trusted them and would do it again in a heart beat! I recommend...


Fell and surgery was done and no help from Resort even though it was wet and dark. Whitney and Emily at Atty Turchin were terrific all the way to court. I am extremely grateful for all of their help and bearing...

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From the moment I obtained The Law offices of Jason Turchin I felt a sense of relief that I was in the Best of hands. Attorney Baca made me feel like I was family. He kept me updated and made sure I felt...

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My family and I are so appreciative of the support we received from Jason. Seeing our mother’s health suffer has not been easy, and his guidance was a crucial help in handling an insurance issue. He offered...

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