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Understanding Life Insurance Claims: A Comprehensive Guide

Jason Turchin, Esq.

Life insurance is a contract between an insurer and a policyholder, providing financial security for loved ones in the event of the policyholder’s death. While understanding life insurance can seem complex, it’s often an essential tool for financial planning. This article provides an overview of life insurance claims and what you should know as a potential claimant or beneficiary, especially if you make a Florida life insurance claim.

What Is a Life Insurance Claim?

A life insurance claim is a formal request by a beneficiary to receive the death benefit from a life insurance policy after the policyholder’s death. The claim initiates the process by which the insurance company reviews the request and, if approved, pays out the agreed-upon sum to the designated beneficiaries.

Types of Life Insurance

There are mainly two types of life insurance:

  1. Term Life Insurance: This covers the policyholder for a specific period, often 10, 20, or 30 years. If the policyholder dies within this term, the death benefit is paid to the beneficiaries. If not, the policy may expire without value.
  2. Whole Life Insurance: This offers coverage for the entire lifetime of the policyholder. It usually includes a cash value component, which can be borrowed against or even cashed in during the policyholder’s lifetime.
life insurance lawyer

Filing a Life Insurance Claim

Filing a Florida life insurance claim typically involves the following steps:

  1. Obtaining the Death Certificate: This is usually required to prove the death of the policyholder. Copies can often be obtained from the funeral home or vital records office.
  2. Contacting the Insurance Company: As a beneficiary, you will need to contact the insurance company to inform them of the policyholder’s death and request a claim form.
  3. Completing and Submitting the Claim Form: This form will require personal information and details about the policy. You may also need to attach the death certificate.
  4. Awaiting Approval: Once submitted, the insurance company will review the claim. This may include verifying the policy’s status and confirming the cause of death.
  5. Receiving the Death Benefit: If approved, the death benefit will be paid in the form of a lump sum, annuity, or other agreed-upon method.

Common Challenges in Life Insurance Claims

While the process may seem straightforward, beneficiaries sometimes face challenges, such as:

  • Policy Disputes: Misunderstandings about the policy terms can lead to disagreements with the insurer or multiple claimants filing claims to the same policy based on divorce or recent beneficiary changes which may be disputed.
  • Delays: Administrative errors or missing documents can delay payment.
  • Denials: If the insurance company believes the claim does not meet the policy’s terms (e.g., if the policyholder died due to an excluded cause), they may deny the claim.

In such cases, consulting an attorney with experience in insurance law may be beneficial.

Beneficiary Designations

It’s generally essential to keep beneficiary designations up to date. If designated beneficiaries are deceased or cannot be located, it may complicate the claims process. Regularly reviewing and updating these designations can help prevent such issues.


Life insurance claims can provide financial support to loved ones at a critical time. Understanding the types of life insurance, the process of filing a claim, and potential challenges can make the process smoother.

If you are facing difficulties with a life insurance claim or need assistance in understanding your rights and options, seeking professional legal advice can be an invaluable resource. The life insurance lawyers at the Law Offices of Jason Turchin have significant experience in life insurance law and can help you navigate this complex area.

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