Miami Life Insurance Lawyers

If you are a beneficiary of a life insurance policy, you may be wondering what to do if the claim is denied. Unfortunately, many life insurance claims are denied or disputed, and beneficiaries may never get their money.

Our Miami life insurance lawyers can fight to get you the benefits you are entitled to. We have experience handling all types of life insurance claims, and we know how to navigate the appeals process. Contact us today at 954-515-5000 for a free consultation.

Common reasons for a denied life insurance claim

There are many reasons why a life insurance company may deny a claim. Some of the most common reasons include:

The policyholder did not pay premiums: If the policyholder did not keep up with their premium payments, the policy may have lapsed. As a result, the death benefit will not be paid out.
The policyholder lied on their application: If the policyholder lied on their life insurance application, the company may deny the claim. For example, if the policyholder failed to disclose a pre-existing condition, the company may argue that they would not have issued the policy if they had known about the condition. There are still ways to get coverage, even if there was a misstatement or alleged material misrepresentation.
The death was not covered by the policy: Most policies have exclusions for certain types of deaths, such as suicides or deaths due to risky activities. If the policyholder’s death is not covered by the policy, the company may deny the claim.
The beneficiary is not eligible for benefits: In order to receive benefits, the beneficiary must be listed on the policy. If the beneficiary is not listed, the company may deny the claim.
The policy holder made a last minute beneficiary change: If the policyholder changed the beneficiary shortly before their death, the company may suspect foul play and deny the claim.
The beneficiary was divorced: If the beneficiary was divorced from the policyholder at the time of death, they may be ineligible for benefits. However, there are situations where the divorced beneficiary could still make a claim.
There is no death certificate: In order to process a life insurance claim, the company will need a death certificate. If the beneficiary does not have a death certificate, the company may deny the claim.

If your life insurance claim has been denied, our Miami life insurance lawyers can help. We will review your policy and determine why the claim was denied. We can also help you file an appeal if necessary.

What to do if your life insurance claim is denied

If your life insurance claim has been denied, you should contact a Miami life insurance lawyer as soon as possible. We can help you understand why your claim was denied and we can assist you in filing an appeal. Contact us today at 954-515-5000 for a free consultation.

Miami life insurance interpleader help

An interpleader action is a lawsuit filed by the life insurance company to determine who the rightful beneficiary of the policy is. The life insurance company will deposit the death benefit into court, and the court will then decide who is entitled to the money.

If you are involved in a life insurance interpleader action, our Miami life insurance lawyers can represent you. We can fight to make sure that you get the money you are entitled to. Contact us today at 954-515-5000 for a free consultation.

Life insurance lawsuit in the US District Court for the Southern District of Florida

If you need to file a life insurance lawsuit in the US District Court for the Southern District of Florida, our Miami life insurance lawyers can help. We have experience handling all types of life insurance claims, and we know how to navigate the court system. Contact us today at 954-480-1797 for a free consultation.

Appealing a denied life insurance claim in Miami, Florida

If your life insurance claim has been denied, you have the right to file an appeal. The appeals process can be complex, but our Miami life insurance lawyers can help. Contact us today at 954-515-5000 for a free consultation.

Miami contingency fee life insurance lawyers

Our Miami life insurance lawyers work on a contingency fee basis, which means that you will not owe us any attorney’s fees or costs unless you recover money.